Hollyfrontier Employee's Credit Union
Total assets
$6.0M
▲ +4.5% YoY
Shares & deposits
$4.0M
▲ +5.0% YoY
Loans
$4.6M
▼ -3.4% YoY
Members
689
▼ -8.1% YoY
ROA (annualized)
0.93%
peers 0.60%
ROE (annualized)
2.89%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +5.0% | +0.7% | +4.3 pts |
| Loan growth (YoY) | -3.5% | -2.4% | -1.1 pts |
| ROA | 0.93% | 0.60% | +0.3 pts |
| ROE | 2.9% | 4.1% | -1.2 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
Profile
- Established
- 1940
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- P O Box 666, Bountiful, UT, 84011
- NCUA charter #
- 67078
- RSSD ID
- 395498
- 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 | $6.0M | $4.0M | $4.6M | $1.9M | $14K | 0.93% | 5.18% | 1.69% | 689 |
| Q4 2025 | $5.9M | $4.0M | $4.7M | $1.9M | $72K | 1.21% | 5.12% | 1.48% | 706 |
| Q3 2025 | $6.0M | $4.1M | $4.7M | $1.9M | $65K | 1.43% | 5.15% | 2.03% | 742 |
| Q2 2025 | $6.0M | $4.1M | $4.9M | $1.9M | $41K | 1.35% | 5.04% | 0.00% | 747 |
| Q1 2025 | $5.7M | $3.8M | $4.8M | $1.9M | $26K | 1.82% | 5.70% | 0.46% | 750 |
| Q4 2024 | $5.7M | $3.8M | $4.9M | $1.8M | $83K | 1.45% | 5.22% | 0.02% | 768 |
| Q3 2024 | $5.7M | $3.8M | $4.9M | $1.8M | $73K | 1.72% | 5.40% | 0.00% | 775 |
| Q2 2024 | $5.6M | $3.7M | $5.0M | $1.8M | $47K | 1.70% | 5.53% | 0.00% | 773 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.9M · securities $278K
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.60% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 4.1% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.18% | 3.83% | 91th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.3% | 81.5% | 31th | |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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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