State credit union · Salt Lake City, Utah · NCUA charter #67140
Beckstrand and Associates
Health score 80/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $165K
- Total assets
- 16
- Members
- 96.2%
- Net-worth ratio
Beckstrand and Associates - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67140, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Beckstrand and Associates - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)-
- Earnings (ROA)100
- Member growth60
- Liquidity (loan-to-share)40
Weighted composite: 80/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 96.19% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 96.19% | 30% |
| Delinquency Rate | - | 25% |
| Return on Assets | 1.36% | 15% |
| Member Growth | 0.00% | 15% |
| Loan-to-Share Ratio | 0.00% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $165K | 16 |
| 2024Q4 | $160K | 16 |
| 2023Q4 | $515K | 16 |
Credit Union Details
- Charter Number
- 67140
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Utah
- City
- Salt Lake City
- Data Quarter
- 2025Q4
What This Data Says About Beckstrand and Associates
The five-factor composite scores Beckstrand and Associates at 80/100 (Excellent), reflecting a net worth ratio of 96.19% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Salt Lake City, Utah, reports 16 members, $165K in total assets, and $0 in outstanding loans as of Q4 2025 under charter #67140 (peer group Under $2M, a cohort of 243 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of - measures loans 60+ days past due against total loans outstanding - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. The loan-to-share ratio of 0.00% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.36% on net income of $2K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.00%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Utah
Other federally-insured credit unions in Utah, closest first by peer group and asset size.
- PRESTO LEWISTON EMPLOYEESLewiston, UT · Under $2M87Health
- VALLEY WIDEVernal, UT · Under $2M77Health
- SOUTH SANPETEManti, UT · Under $2M96Health
- NORTH SANPETEFairview, UT · Under $2M94Health
- FLEXPAKWoods Cross, UT · Under $2M50Health
Compare Beckstrand and Associates vs PRESTO LEWISTON EMPLOYEES
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Beckstrand and Associates financially healthy?
A 96.19% net worth ratio and a - delinquency rate feed into Beckstrand and Associates's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Beckstrand and Associates compare to other credit unions?
PlainCU's health composite puts Beckstrand and Associates at 80/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Beckstrand and Associates?
Membership eligibility for Beckstrand and Associates depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Beckstrand and Associates directly for current membership requirements and application steps.
Is my money safe at Beckstrand and Associates?
Federal credit unions like Beckstrand and Associates 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. Beckstrand and Associates's net worth ratio of 96.19% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Beckstrand and Associates offer compared to banks?
Credit unions like Beckstrand and Associates 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 Beckstrand and Associates directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.