Credit Union
BECKSTRAND AND ASSOCIATES
Health Score
61/100
Total Assets
$165K
Members
16
Salt Lake City, Utah
2026 data Public-data reference. official source

BECKSTRAND AND ASSOCIATES

Open-data reference.

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Salt Lake City, Utah · Charter #67140 · State Credit Union
61
Health Score
Good

Health Score

61/100

PlainCU 5-factor composite (NCUA 5300 Call Report)

Charter #

67140

NCUA-issued institution identifier

Source

NCUA

Quarterly 5300 Call Report — 2025Q4

BECKSTRAND AND ASSOCIATES — Share Insurance Coverage

Composite supervisory bracket and risk-based capital are read from the NCUA Call Report. Member shares above $250,000 per ownership category sit outside the federal NCUSIF envelope.

NCUSIF coverage gauge for BECKSTRAND AND ASSOCIATES Share insurance under NCUSIF covers up to $250,000 per share owner. BECKSTRAND AND ASSOCIATES holds approximately $115 in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 30.0 percent. Share Insurance Coverage Federal NCUSIF — $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 30.0% · $115 member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 — share insurance under Title II of the Federal Credit Union Act

BECKSTRAND AND ASSOCIATES — Five Health Pillars

Each pillar is normalised onto a 0-100 scale so the bar lengths are directly comparable.

Health Pillars (0-100)

Health Pillars (0-100) Horizontal bar chart of the top 5 items by value. Health Pillars (0-100) Top 5 1. Net Worth 96.19% 2. Loan Quality — 3. ROA 0.00% 4. Member Growth 0.00% 5. Liquidity 0% LTS Source: NCUA 5300 Call Report — calculations per PlainCU methodology
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

At 96.19%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

$165K
Total Assets
16
Members
$0
Total Loans
$115
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 96.19% 30%
Delinquency Rate — 25%
Return on Assets 0.00% 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

BECKSTRAND AND ASSOCIATES is a state credit union headquartered in Salt Lake City, Utah, serving 16 members with $165K in total assets and $0 in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 61/100 (Good), anchored by a net worth ratio of 96.19% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #67140 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.

Loan book quality and earnings power round 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. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. 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.

Every deposit account at BECKSTRAND AND ASSOCIATES is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by 0.00%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Other), and current deposit and loan rates should be verified directly with BECKSTRAND AND ASSOCIATES before opening any account or borrowing.

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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?

BECKSTRAND AND ASSOCIATES has a financial health score of 61/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 96.19% and delinquency rate of —.

How does BECKSTRAND AND ASSOCIATES compare to other credit unions?

BECKSTRAND AND ASSOCIATES scores 61/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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.