Alpine Credit Union
Total assets
$362.8M
▲ +6.5% YoY
Shares & deposits
$323.7M
▲ +6.1% YoY
Loans
$245.5M
▲ +1.2% YoY
Members
19,839
▼ -1.4% YoY
ROA (annualized)
0.97%
peers 0.69%
ROE (annualized)
9.65%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | Alpine Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +3.9% | +2.6 pts |
| Share growth (YoY) | +6.2% | +3.3% | +2.9 pts |
| Loan growth (YoY) | +1.1% | +2.9% | -1.8 pts |
| ROA | 0.97% | 0.69% | +0.3 pts |
| ROE | 9.7% | 5.9% | +3.7 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
Profile
- Established
- 1955
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 1510 N State St, Orem, UT, 84057
- NCUA charter #
- 64332
- RSSD ID
- 342791
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $362.8M | $323.7M | $245.5M | $36.5M | $882K | 0.97% | 3.20% | 0.77% | 19,839 |
| Q4 2025 | $359.4M | $320.9M | $247.5M | $35.7M | $2.5M | 0.69% | 3.02% | 0.62% | 19,916 |
| Q3 2025 | $349.6M | $312.2M | $249.7M | $35.3M | $2.1M | 0.81% | 3.04% | 0.68% | 20,117 |
| Q2 2025 | $345.4M | $308.9M | $250.6M | $34.4M | $1.2M | 0.69% | 2.97% | 0.52% | 20,188 |
| Q1 2025 | $340.8M | $304.9M | $242.7M | $33.6M | $463K | 0.54% | 2.90% | 0.63% | 20,121 |
| Q4 2024 | $333.7M | $297.8M | $237.8M | $33.2M | $973K | 0.29% | 2.61% | 0.60% | 20,137 |
| Q3 2024 | $329.6M | $294.2M | $229.0M | $32.8M | $631K | 0.26% | 2.57% | 0.66% | 20,557 |
| Q2 2024 | $324.4M | $289.0M | $225.1M | $32.6M | $342K | 0.21% | 2.55% | 0.71% | 20,554 |
Loan mix (Q1 2026): real estate $108.9M · commercial $11.4M · consumer $117.9M · securities $79.4M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Alpine Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.69% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 5.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.62% | 25th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.1% | 78.7% | 29th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Alpine Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Alpine Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Alpine Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Alpine Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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