State credit union · Orem, Utah · NCUA charter #64332
ALPINE
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $359.4M
- Total assets
- 19,916
- Members
- 10.1%
- Net-worth ratio
ALPINE scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $359.4M; members 19,916; net-worth ratio 10.07%; health rank #1,691 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,691 of 4,374 health · 2025Q4ALPINE · health 87/100 · $359.4M · 2025Q4
- PHOTO 87/100
- BOOK 10.1%
- CHARTER 0.62%
- NCUSIF 0.27%
- CAMELS $359.4M
- HEALTH 19,916
- NW #1,691/4,374
- DELQ Hudson River Community
- ROA 64332
Call Report peers
ALPINE in the assets neighbourhood
ALPINE's $359.4M assets sit next to Hudson River Community ($358.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ALPINE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ALPINE - Share Insurance Coverage
Charter #64332's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
ALPINE vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +4.92 pp (77.12% vs 72.20%).
- Largest lag: Net Worth Ratio at 10.07% vs peer 12.11% (-2.04 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
ALPINE in Utah
- In Utah, health place is #26 of 53 on the same NCUA-ratio sort used nationally.
- By total assets, ALPINE is #14 of 53 in Utah.
- Utah membership ordinal: #14 of 53.
In-state ordinals use the live credit_unions table for UT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for ALPINE
ALPINE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $359.4M (2025Q4) to $362.8M (2026Q1).
- Net-worth ratio shifted +0.15 pp (9.92% → 10.07%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.07% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.8 pts
- Return on Assets 11.6 pts
- Member Growth 7.0 pts
- Loan-to-Share Ratio 14.6 pts
ALPINE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.07% | -2.04 pp |
| Delinquency Rate | 0.62% | -0.28 pp |
| Return on Assets | 0.27% | -0.35 pp |
| Member Growth | -1.10% | - |
| Loan-to-Share Ratio | 77.12% | +4.92 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
ALPINE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $362.8M | - |
| 2025Q4 | $359.4M | 19,916 |
| 2024Q4 | $333.7M | 20,137 |
| 2023Q4 | $313.2M | 20,542 |
Credit Union Details
- Charter Number
- 64332
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Utah
- City
- Orem
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, ALPINE runs 6 offices in 5 different cities.
| Office | City |
|---|---|
| North Orem (Main Office) | Orem, UT |
| American Fork | American Fork, UT |
| Eagle Mountain | Eagle Mountain, UT |
| Highland | Highland, UT |
| Lehi | Lehi, UT |
| South Orem | Orem, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Utah
Other federally-insured credit unions in Utah, closest first by peer group and asset size.
ALPINE nationwide neighbourhoods
Cross-state asset and health neighbours for ALPINE - kept outside Utah; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($359.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- ALPINE ranks #1,691 of 4,374 nationally on financial health and #26 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- American United is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with American United
- Rates and health both vary by institution, not just by state -- see how Utah credit unions compare overall before assuming this one is typical. Utah state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ALPINE financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, ALPINE carries a financial health score of 87/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,691 of 4,374; by total assets it ranks #928 of 4,374 nationally (same basis as /rankings/largest); and #14 of 53 within Utah. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.07% net worth ratio and a 0.62% delinquency rate.
How does ALPINE compare to other credit unions?
Five weighted metrics from NCUA filings produce ALPINE's 87/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join ALPINE?
Membership eligibility for ALPINE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ALPINE directly for current membership requirements and application steps.
Is my money safe at ALPINE?
Federal credit unions like ALPINE are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ALPINE's net worth ratio of 10.07% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ALPINE offer compared to banks?
Credit unions like ALPINE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ALPINE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.