Federal credit union · Provo, Utah · NCUA charter #13833
C U P
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $9.9M
- Total assets
- 790
- Members
- 11.4%
- Net-worth ratio
C U P scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.9M; members 790; net-worth ratio 11.38%; health rank #58 of 4,374; healthier than 98th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#58 of 4,374 health · 2025Q4C U P · health 99/100 · $9.9M · 2025Q4
- RANK 99/100
- PHOTO 11.4%
- BOOK 0.00%
- CHARTER 0.41%
- NCUSIF $9.9M
- CAMELS 790
- HEALTH #58/4,374
- NW n/a
- DELQ 13833
C U P carries $9.9M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
C U P 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
99 Top 2% higher than 98% 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
C U P - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #13833: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
C U P: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 87.75% here, 63.60% peer average (+24.15 pp).
- Widest shortfall vs peers is Net Worth Ratio: -7.68 pp (11.38% vs 19.06%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where C U P sits in Utah
- Utah health ordinal: #2 of 53.
- Assets rank #42 of 53 inside Utah ($9.9M reported).
- Membership ranks #45 of 53 among Utah CUs with a reported count (790 members).
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 C U P
C U P: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $9.9M (2025Q4) to $10.0M (2026Q1).
- Net-worth ratio shifted -0.19 pp (11.57% → 11.38%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.38%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 99/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 99.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.7 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for C U P
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.38% | -7.68 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.41% | -0.04 pp |
| Member Growth | 6.76% | - |
| Loan-to-Share Ratio | 87.75% | +24.15 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
C U P quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.0M | - |
| 2025Q4 | $9.9M | 790 |
| 2024Q4 | $8.9M | 740 |
| 2023Q4 | $8.4M | 742 |
Credit Union Details
- Charter Number
- 13833
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- Utah
- City
- Provo
- Data Quarter
- 2025Q4
Branch Locations (3)
C U P operates 3 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Credit Union Office (Main Office) | Provo, UT |
| AMI Information Systems | Mount Pleasant, WI |
| Chapter 7 | Provo, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Utah
A look at other Utah credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for C U P, both outside Utah so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (99/100 here).
Using this data
- C U P ranks #58 of 4,374 nationally on financial health and #2 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- S E a is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with S E a
- 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 C U P financially healthy?
Yes/no aside, the number is 99/100 (Excellent) - C U P's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #58 of 4,374; by total assets it ranks #3,570 of 4,374 nationally (same basis as /rankings/largest); and #42 of 53 within Utah. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.38% net worth ratio and 0.00% delinquency rate are the key drivers.
How does C U P compare to other credit unions?
On PlainCU's health composite, C U P lands at 99/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 C U P?
C U P serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact C U P directly for the current list of qualifying groups.
Is my money safe at C U P?
Federal credit unions like C U P 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. C U P's net worth ratio of 11.38% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does C U P offer compared to banks?
Credit unions like C U P 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 C U P 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.