UTAH COMMUNITY
Charter #10709 · Provo, UT · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 268,370 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.35% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 63.16% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 72nd percentile but its structural peers at the 54th — a 18-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | UTAH COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.86B | 72th pct | 64th pct |
| Members | 268,370 | 82th pct | 80th pct |
| Net worth ratio | 10.47% | 43th pct | 46th pct |
| Return on average assets | 1.02% | 75th pct | 67th pct |
| Net interest margin | 3.18% | 39th pct | 41th pct |
| Cost of funds | 2.16% | 69th pct | 57th pct |
| Loan-to-share | 92.87% | 72th pct | 54th pct |
| Delinquency 60+ days | 0.35% | 20th pct | 13th pct |
| Net charge-off ratio | 0.33% | 26th pct | 28th pct |
| Loan growth YoY | 7.07% | 91th pct | 97th pct |
| Share growth YoY | 3.24% | 34th pct | 37th pct |
| Efficiency ratio | 63.16% | 19th pct | 15th pct |
structural peer set hash: 32d918615cf2e30381ce55e5e6118c83… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.