NEPHI WESTERN EMPLOYEES
Charter #6920 · Nephi, UT · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 34.28% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.35% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.81% sits at the 84th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.10% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 57.94% ranks in the 13th 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 | NEPHI WESTERN EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $46.08M | 95th pct | 56th pct |
| Members | 2,916 | 73th pct | 51th pct |
| Net worth ratio | 34.28% | 99th pct | 93th pct |
| Return on average assets | 1.40% | 83th pct | 66th pct |
| Net interest margin | 3.35% | 28th pct | 23th pct |
| Cost of funds | 1.81% | 86th pct | 84th pct |
| Loan-to-share | 93.51% | 96th pct | 72th pct |
| Delinquency 60+ days | 0.10% | 21th pct | 15th pct |
| Net charge-off ratio | 0.06% | 44th pct | 44th pct |
| Loan growth YoY | -3.89% | 39th pct | 20th pct |
| Share growth YoY | 1.93% | 43th pct | 33th pct |
| Efficiency ratio | 57.94% | 9th pct | 13th pct |
structural peer set hash: 65435e5a3bd6c0c8ba86465595c97b0f… (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.