UTAH HERITAGE
Charter #67076 · Moroni, UT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.53% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.33% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.31% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 61.65% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 68th percentile but its structural peers at the 48th — a 21-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 HERITAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $160.82M | 36th pct | 39th pct |
| Members | 8,889 | 24th pct | 34th pct |
| Net worth ratio | 12.35% | 62th pct | 66th pct |
| Return on average assets | 1.53% | 89th pct | 90th pct |
| Net interest margin | 3.86% | 64th pct | 62th pct |
| Cost of funds | 2.33% | 95th pct | 93th pct |
| Loan-to-share | 79.97% | 68th pct | 48th pct |
| Delinquency 60+ days | 2.31% | 96th pct | 97th pct |
| Net charge-off ratio | 0.18% | 28th pct | 48th pct |
| Loan growth YoY | 2.46% | 71th pct | 66th pct |
| Share growth YoY | 2.63% | 38th pct | 38th pct |
| Efficiency ratio | 61.65% | 10th pct | 10th pct |
structural peer set hash: ee1dbeaafce5b440a597d1da0196f726… (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.