LU 354 I B E W
Charter #9398 · SALT LAKE CITY, UT · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.76% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 1.99% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 68.14% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 45th percentile but its structural peers at the 16th — a 29-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 | LU 354 I B E W | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $39.91M | 82th pct | 61th pct |
| Members | 2,640 | 67th pct | 44th pct |
| Net worth ratio | 16.47% | 68th pct | 66th pct |
| Return on average assets | 1.31% | 80th pct | 74th pct |
| Net interest margin | 3.76% | 45th pct | 16th pct |
| Cost of funds | 1.99% | 90th pct | 85th pct |
| Loan-to-share | 85.02% | 89th pct | 64th pct |
| Delinquency 60+ days | 1.52% | 78th pct | 69th pct |
| Net charge-off ratio | 0.32% | 63th pct | 54th pct |
| Loan growth YoY | -6.45% | 21th pct | 8th pct |
| Share growth YoY | -3.43% | 6th pct | 10th pct |
| Efficiency ratio | 68.14% | 23th pct | 25th pct |
structural peer set hash: e3d68e153963f7fd2fcab8e522346381… (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.