CYPRUS
Charter #24688 · West Jordan, UT · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.33% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.21% sits at the 2nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 82.23% sits at the 92nd percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 89th percentile but its structural peers at the 70th — 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 | CYPRUS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.07B | 46th pct | 52th pct |
| Members | 162,120 | 63th pct | 69th pct |
| Net worth ratio | 12.33% | 75th pct | 80th pct |
| Return on average assets | 0.21% | 9th pct | 2th pct |
| Net interest margin | 4.01% | 89th pct | 70th pct |
| Cost of funds | 2.11% | 67th pct | 56th pct |
| Loan-to-share | 103.19% | 95th pct | 90th pct |
| Delinquency 60+ days | 0.44% | 31th pct | 31th pct |
| Net charge-off ratio | 0.73% | 68th pct | 64th pct |
| Loan growth YoY | 6.73% | 90th pct | 83th pct |
| Share growth YoY | 9.70% | 92th pct | 92th pct |
| Efficiency ratio | 82.23% | 84th pct | 92th pct |
structural peer set hash: ec033fe36eede92615cde3f57965a28e… (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.