No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.09B | $949.2M | $528.4M | $147.1M | $3.4M | 1.25% | 2.01% | 0.33% | 30,908 |
| Q4 2025 | $1.06B | $914.8M | $517.0M | $143.7M | $8.3M | 0.79% | 1.65% | 0.34% | 30,748 |
| Q3 2025 | $1.04B | $902.5M | $504.0M | $140.8M | $5.5M | 0.70% | 1.59% | 0.28% | 30,953 |
| Q2 2025 | $1.03B | $897.3M | $488.8M | $138.8M | $3.5M | 0.68% | 1.47% | 0.38% | 30,846 |
| Q1 2025 | $1.02B | $896.4M | $471.4M | $136.6M | $1.3M | 0.51% | 1.36% | 0.16% | 30,607 |
| Q4 2024 | $993.1M | $872.5M | $474.1M | $135.3M | $2.7M | 0.27% | 1.07% | 0.27% | 30,398 |
| Q3 2024 | $969.8M | $847.7M | $470.2M | $134.3M | $1.7M | 0.23% | 1.04% | 0.18% | 30,498 |
| Q2 2024 | $959.2M | $847.2M | $460.7M | $133.4M | $696K | 0.15% | 0.97% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Utah Power Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 0.71% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 6.3% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.01% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.16% |
| 30,343 |
Loan mix (Q1 2026): real estate $356.3M · commercial $0 · consumer $138.0M · securities $513.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.0% | 73.0% | 1th |
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% |
| Ratio | Utah Power 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% |
| Ratio | Utah Power 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% |
| Ratio | Utah Power 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% |
| Ratio | Utah Power 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% |
The full ratio pack is part of CharterBench Pro.