UTAH FIRST
Charter #528 · Salt Lake City, UT · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.03% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 3.16% sits at the 95th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.17% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 71.04% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 12th percentile but its structural peers at the 49th — a 38-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 | UTAH FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.16B | 12th pct | 49th pct |
| Members | 45,230 | 2th pct | 30th pct |
| Net worth ratio | 10.20% | 37th pct | 52th pct |
| Return on average assets | 1.03% | 75th pct | 89th pct |
| Net interest margin | 3.53% | 61th pct | 59th pct |
| Cost of funds | 3.16% | 95th pct | 95th pct |
| Loan-to-share | 101.09% | 93th pct | 79th pct |
| Delinquency 60+ days | 0.17% | 6th pct | 3th pct |
| Net charge-off ratio | 0.30% | 24th pct | 39th pct |
| Loan growth YoY | 1.87% | 52th pct | 52th pct |
| Share growth YoY | 2.58% | 23th pct | 21th pct |
| Efficiency ratio | 71.04% | 44th pct | 16th pct |
structural peer set hash: 9f4207dcf17c5d066815738559f51af9… (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.