HOLLYFRONTIER EMPLOYEE'S
Charter #67078 · Bountiful, UT · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 32.18% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.13% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 82nd percentile but its structural peers at the 57th — a 25-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 | HOLLYFRONTIER EMPLOYEE'S | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.99M | 71th pct | 62th pct |
| Members | 689 | 60th pct | 41th pct |
| Net worth ratio | 32.18% | 88th pct | 85th pct |
| Return on average assets | 0.94% | 69th pct | 54th pct |
| Net interest margin | 5.21% | 82th pct | 57th pct |
| Cost of funds | 0.13% | 24th pct | 13th pct |
| Loan-to-share | 114.67% | 98th pct | 92th pct |
| Delinquency 60+ days | 1.69% | 64th pct | 59th pct |
| Net charge-off ratio | 0.00% | 22th pct | 18th pct |
| Loan growth YoY | -1.32% | 68th pct | 57th pct |
| Share growth YoY | -1.10% | 40th pct | 44th pct |
| Efficiency ratio | 73.33% | 28th pct | 41th pct |
structural peer set hash: e73b740e0b313854e6c97e3730b6636c… (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.