Federal credit union · Provo, Utah · NCUA charter #13833
C U P
Health score 97/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $9.9M
- Total assets
- 790
- Members
- 9.4%
- Net-worth ratio
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 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)95
- Asset quality (delinquency)100
- Earnings (ROA)91
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 97/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.43%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.43% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.41% | 15% |
| Member Growth | 6.76% | 15% |
| Loan-to-Share Ratio | 87.75% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About C U P
790 members and $9.9M in total assets sit behind C U P, a federal credit union in Provo, Utah, which posts a health score of 97/100 (Excellent) on the five-factor composite, with $7.7M in outstanding loans as of Q4 2025 and a net worth ratio of 9.43% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #13833 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 87.75% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.41% on net income of $40K 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 6.76%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Multiple Common Bond) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
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 C U P financially healthy?
Yes/no aside, the number is 97/100 (Excellent) - C U P's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.43% 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 97/100, 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 9.43% 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.
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.