Nephi Western Employees
Nephi, UT · Charter 6920 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$46.4MAssets
$27.6MLoans
$30.3MShares
$16.0MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 98% of credit unions under $1B in assets (rank 27 of 1683).
- Widest gap: net interest margin trails 73% of credit unions under $1B in assets (rank 1221 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.50%
Rank 245 of 1,683
Net Interest Margin
3.38%
Rank 1,221 of 1,683
Efficiency Ratio
56.27%
Rank 132 of 1,682
Equity / Assets
34.45%
Rank 27 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.50% | 0.35% | 0.74% | 1.18% | Beats 85% | 245 / 1,683 | | |
| Return on Equity | 4.35% | 2.67% | 5.89% | 8.74% | Beats 38% | 1,042 / 1,681 | | |
| Net Interest Margin | 3.38% | 3.31% | 3.82% | 4.32% | Beats 27% | 1,221 / 1,683 | | |
| Efficiency Ratio | 56.27% | 68.91% | 78.20% | 86.93% | Beats 92% | 132 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.26% | 0.65% | 1.29% | Beats 83% | 295 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 34.45% | 10.44% | 12.89% | 16.53% | Beats 98% | 27 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 34.45% | 10.44% | 12.89% | 16.53% | Beats 98% | 27 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.26% | 52.61% | 69.38% | 83.50% | 89th pctl | 192 / 1,683 | | |
| Loans / Assets | 59.50% | 44.71% | 59.18% | 70.72% | 51st pctl | 831 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |