VALLEY WIDE
Charter #14657 · Vernal, UT · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 151 sits at the 11th percentile of structural peers — worth a closer look.
- Net worth ratio of 30.39% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- 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 23rd percentile among structurally similar credit unions — a relative strength.
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 | VALLEY WIDE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 447,589 | 9th pct | 10th pct |
| Members | 151 | 9th pct | 11th pct |
| Net worth ratio | 30.39% | 86th pct | 80th pct |
| Return on average assets | 0.45% | 51th pct | 59th pct |
| Net interest margin | 3.92% | 47th pct | 38th pct |
| Cost of funds | 0.34% | 41th pct | 36th pct |
| Loan-to-share | 44.86% | 35th pct | 31th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | -19.25% | 8th pct | 5th pct |
| Share growth YoY | -8.96% | 8th pct | 8th pct |
| Efficiency ratio | 89.29% | 55th pct | 43th pct |
structural peer set hash: 09ae95bf926a249cc819ea53511dab69… (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.