OREM CITY EMPLOYEES
Charter #13965 · OREM, UT · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 530 sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 3.73% sits at the 18th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 109.68% sits at the 90th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 46th percentile but its structural peers at the 18th — a 28-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 | OREM CITY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.69M | 37th pct | 20th pct |
| Members | 530 | 46th pct | 18th pct |
| Net worth ratio | 14.39% | 35th pct | 56th pct |
| Return on average assets | -0.38% | 24th pct | 31th pct |
| Net interest margin | 3.73% | 39th pct | 18th pct |
| Cost of funds | 1.57% | 80th pct | 66th pct |
| Loan-to-share | 65.26% | 58th pct | 38th pct |
| Delinquency 60+ days | 2.45% | 72th pct | 72th pct |
| Net charge-off ratio | 0.00% | 22th pct | 20th pct |
| Loan growth YoY | -7.51% | 38th pct | 30th pct |
| Share growth YoY | 1.26% | 58th pct | 38th pct |
| Efficiency ratio | 109.68% | 81th pct | 90th pct |
structural peer set hash: aae93a844fcb709655f9c53e92e82839… (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.