Nephi Western Employees

Nephi, UT · 1 · Charter #6920 · www.nephicreditunion.com
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
$45.2M
96th percentile
Members
2,938
83th percentile
Total loans
$28.9M
97th percentile
Total shares
$29.4M
83th percentile

Profitability

Return on assets
1.56%
81th percentile
Net interest margin
3.50%
34th percentile
Efficiency ratio
44.50%
89th percentile
Non-interest income ratio
4.40%
31th percentile

Capital & Risk

Net worth ratio
34.61%
95th percentile
Delinquency rate
0.22%
70th percentile
Net charge-off rate
0.21%
51th percentile
Loan-to-share
98.46%
93th percentile

Growth

Member growth YoY
-2.33%
40th percentile
Asset growth YoY
1.43%
52th percentile
Loan growth YoY
-1.79%
56th percentile
Share growth YoY
0.10%
48th percentile

Operations

Members / branch
2,938
91th percentile
Assets / member
$15,379
86th percentile
Field of membership penetration
48.97%
65th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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