Utah Heritage

Moroni, UT · 2 · Charter #67076 · www.utahheritagecu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$159.7M
76th percentile
Members
8,609
58th percentile
Total loans
$110.5M
82th percentile
Total shares
$138.6M
76th percentile

Profitability

Return on assets
1.94%
91th percentile
Net interest margin
3.80%
58th percentile
Efficiency ratio
37.73%
96th percentile
Non-interest income ratio
9.03%
12th percentile

Capital & Risk

Net worth ratio
12.04%
47th percentile
Delinquency rate
2.46%
6th percentile
Net charge-off rate
0.17%
72th percentile
Loan-to-share
79.75%
70th percentile

Growth

Member growth YoY
-1.70%
37th percentile
Asset growth YoY
8.86%
84th percentile
Loan growth YoY
3.41%
62th percentile
Share growth YoY
8.05%
82th percentile

Operations

Members / branch
1,722
14th percentile
Assets / member
$18,556
78th percentile
Field of membership penetration
19.13%
69th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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