Valley Wide

Vernal, UT · 1 · Charter #14657
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$474.0K
4th percentile
Members
153
4th percentile
Total loans
$143.7K
4th percentile
Total shares
$335.5K
4th percentile

Profitability

Return on assets
1.00%
59th percentile
Net interest margin
4.41%
66th percentile
Efficiency ratio
75.16%
33th percentile
Non-interest income ratio
6.50%
39th percentile

Capital & Risk

Net worth ratio
28.58%
91th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
42.83%
25th percentile

Growth

Member growth YoY
-4.38%
21th percentile
Asset growth YoY
-0.44%
39th percentile
Loan growth YoY
-30.14%
2th percentile
Share growth YoY
-2.01%
35th percentile

Operations

Members / branch
153
5th percentile
Assets / member
$3,098
7th percentile
Field of membership penetration
0.47%
3th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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