C U P
Charter #13833 · Provo, UT · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 791 sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 2.73% sits at the 93rd 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 -0.02% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Loan growth YoY, the asset-size band puts this credit union at the 65th percentile but its structural peers at the 36th — a 29-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 | C U P | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.04M | 0th pct | 15th pct |
| Members | 791 | 2th pct | 7th pct |
| Net worth ratio | 11.38% | 30th pct | 36th pct |
| Return on average assets | 0.14% | 24th pct | 28th pct |
| Net interest margin | 3.88% | 51th pct | 28th pct |
| Cost of funds | 2.73% | 97th pct | 93th pct |
| Loan-to-share | 84.91% | 89th pct | 74th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.02% | 19th pct | 10th pct |
| Loan growth YoY | -0.65% | 65th pct | 36th pct |
| Share growth YoY | 5.20% | 76th pct | 64th pct |
| Efficiency ratio | 92.40% | 77th pct | 74th pct |
structural peer set hash: 9ace048a9906255c8072aabe6dcf9574… (reproducible)
Closest structural peers
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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.