Uintah Vernal, UT · Charter 67156 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23-24)
NCUA · 1 branch
Q2 2026
$3.9M Assets
$1.1M Loans
$3.1M Shares
$833K Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Salt Lake City-Murray, UT area (rank 3 of 23). Widest gap: equity / assets trails 29% of credit unions under $1B in assets in the Salt Lake City-Murray, UT area (rank 7 of 24). Overall: at or above the peer median on 7 of 7 directional measures. Return on Assets
2.04%
Rank 1 of 24
Net Interest Margin
4.03%
Rank 5 of 24
Efficiency Ratio
51.25%
Rank 2 of 24
Equity / Assets
21.27%
Rank 7 of 24
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets 2.04% 0.41% 0.67% 1.12% Beats 96% 1 / 24 Return on Equity 9.60% 2.16% 5.02% 6.69% Beats 88% 3 / 24 Net Interest Margin 4.03% 3.10% 3.61% 4.01% Beats 79% 5 / 24 Efficiency Ratio 51.25% 71.14% 80.00% 84.92% Beats 96% 2 / 24 Asset Quality Nonperforming Loans / Loans 0.00% 0.07% 0.54% 1.38% Beats 100% 3 / 23 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 21.27% 10.05% 16.75% 21.42% Beats 71% 7 / 24 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 21.27% 10.05% 16.75% 21.42% Beats 71% 7 / 24 Liquidity & Funding Loans / Deposits 37.03% 42.86% 62.34% 82.18% 17th pctl 19 / 23 Loans / Assets 29.13% 32.11% 55.16% 70.89% 21st pctl 19 / 24 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Salt Lake City-Murray, UT area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure (23 to 24 here). Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11