RIDGELINE
Charter #7546 · SALT LAKE CITY, UT · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,495 sits at the 15th percentile of structural peers — worth a closer look.
- Net worth ratio of 9.53% sits at the 21st percentile of structural peers — worth a closer look.
- Return on average assets of -0.28% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 2.54% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.88% sits at the 92nd percentile of structural peers — worth a closer look.
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 | RIDGELINE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $27.02M | 54th pct | 23th pct |
| Members | 1,495 | 25th pct | 15th pct |
| Net worth ratio | 9.53% | 14th pct | 21th pct |
| Return on average assets | -0.28% | 13th pct | 13th pct |
| Net interest margin | 2.54% | 7th pct | 3th pct |
| Cost of funds | 1.88% | 87th pct | 92th pct |
| Loan-to-share | 50.17% | 37th pct | 34th pct |
| Delinquency 60+ days | 0.29% | 35th pct | 44th pct |
| Net charge-off ratio | -0.07% | 12th pct | 10th pct |
| Loan growth YoY | -1.46% | 58th pct | 54th pct |
| Share growth YoY | -2.10% | 12th pct | 16th pct |
| Efficiency ratio | 99.87% | 89th pct | 89th pct |
structural peer set hash: f71f36db1658eee955a7d1c760e59a37… (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.