Ridgeline Salt Lake City, UT · Charter 7546 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23-24)
NCUA · 1 branch
Q2 2026
$27.6M Assets
$12.7M Loans
$25.0M Shares
$2.6M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 39% of credit unions under $1B in assets in the Salt Lake City-Murray, UT area (rank 15 of 23). Widest gap: efficiency ratio trails 96% of credit unions under $1B in assets in the Salt Lake City-Murray, UT area (rank 24 of 24). Overall: at or above the peer median on 0 of 7 directional measures. Return on Assets
-0.31%
Rank 23 of 24
Net Interest Margin
2.48%
Rank 23 of 24
Efficiency Ratio
100.00%
Rank 24 of 24
Equity / Assets
9.24%
Rank 22 of 24
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets -0.31% 0.41% 0.67% 1.12% Beats 4% 23 / 24 Return on Equity -3.37% 2.16% 5.02% 6.69% Beats 4% 23 / 24 Net Interest Margin 2.48% 3.10% 3.61% 4.01% Beats 4% 23 / 24 Efficiency Ratio 100.00% 71.14% 80.00% 84.92% Beats 4% 24 / 24 Asset Quality Nonperforming Loans / Loans 0.91% 0.07% 0.54% 1.38% Beats 39% 15 / 23 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 9.24% 10.05% 16.75% 21.42% Beats 8% 22 / 24 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 9.24% 10.05% 16.75% 21.42% Beats 8% 22 / 24 Liquidity & Funding Loans / Deposits 50.79% 42.86% 62.34% 82.18% 39th pctl 14 / 23 Loans / Assets 46.04% 32.11% 55.16% 70.89% 42nd pctl 14 / 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