UNIVERSITY FIRST
CUSALT LAKE CITY, UT
Total Assets
$2.1B
—
Total Loans
$1.8B
—
UNIVERSITY FIRST in UT reported a 11.3% Texas Ratio in Q2 2026, an increase of +3.8pp from the prior quarter. Nonperforming assets rose to 1.36%, up +0.51pp sequentially.
Portfolio composition
| Category | Balance | % of total | NPL % | Charge-off % |
|---|---|---|---|---|
| 1-4 family — 1st lien | $244M | 14.0% | — | — |
| 1-4 family — junior lien | $206M | 11.8% | — | — |
| Multifamily | $113M | 6.5% | — | — |
| FOUNDATION Consumer Auto New — Unlock to view | ||||
| FOUNDATION Consumer Auto Used — Unlock to view | ||||
| FOUNDATION Consumer Credit Card — Unlock to view | ||||
| FOUNDATION Consumer Other Unsecured — Unlock to view | ||||
FOUNDATION
20-quarter trend panels
See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.
FOUNDATION
Peer cohort comparison
Benchmark against banks in the same size and geography cohort.
FOUNDATION
Full portfolio composition
Every loan category, NPL ratio, and charge-off rate — beyond the top 3.
UNIVERSITY FIRST currently appears on: Rising NPLs by Collateral (Credit Unions)