NORTH SANPETE
Charter #13224 · Fairview, UT · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 346 sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 3.09% sits at the 8th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 49th — a 24-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 | NORTH SANPETE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.21M | 20th pct | 11th pct |
| Members | 346 | 29th pct | 25th pct |
| Net worth ratio | 23.30% | 70th pct | 61th pct |
| Return on average assets | 0.87% | 67th pct | 56th pct |
| Net interest margin | 3.09% | 23th pct | 8th pct |
| Cost of funds | 1.16% | 70th pct | 64th pct |
| Loan-to-share | 76.47% | 73th pct | 49th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 20th pct |
| Loan growth YoY | -9.44% | 31th pct | 34th pct |
| Share growth YoY | -2.28% | 32th pct | 31th pct |
| Efficiency ratio | 71.71% | 26th pct | 30th pct |
structural peer set hash: aedeb7ba9df5abf306c058bfaeda5045… (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.