Lu 354 I B E W
Salt Lake City, UT · Charter 9398 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23-24)
NCUA · 3 branches
Q2 2026
$39.8MAssets
$28.9MLoans
$33.2MShares
$6.7MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 75% of credit unions under $1B in assets in the Salt Lake City-Murray, UT area (rank 6 of 24).
- Widest gap: nonperforming loans / loans trails 96% of credit unions under $1B in assets in the Salt Lake City-Murray, UT area (rank 23 of 23).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.12%
Rank 6 of 24
Net Interest Margin
3.83%
Rank 8 of 24
Efficiency Ratio
71.36%
Rank 8 of 24
Equity / Assets
16.75%
Rank 12 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.12% | 0.41% | 0.67% | 1.12% | Beats 75% | 6 / 24 | | |
| Return on Equity | 6.69% | 2.16% | 5.02% | 6.69% | Beats 75% | 6 / 24 | | |
| Net Interest Margin | 3.83% | 3.10% | 3.61% | 4.01% | Beats 67% | 8 / 24 | | |
| Efficiency Ratio | 71.36% | 71.14% | 80.00% | 84.92% | Beats 71% | 8 / 24 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.77% | 0.07% | 0.54% | 1.38% | Beats 4% | 23 / 23 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.75% | 10.05% | 16.75% | 21.42% | Beats 50% | 12 / 24 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.75% | 10.05% | 16.75% | 21.42% | Beats 50% | 12 / 24 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.06% | 42.86% | 62.34% | 82.18% | 83rd pctl | 4 / 23 | | |
| Loans / Assets | 72.63% | 32.11% | 55.16% | 70.89% | 79th pctl | 5 / 24 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |