Federal credit union · West Jordan, Utah · NCUA charter #24688
CYPRUS
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $1.93B
- Total assets
- 148,414
- Members
- 12.3%
- Net-worth ratio
CYPRUS scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.93B; members 148,414; net-worth ratio 12.33%; health rank #499 of 4,374; healthier than 87th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#499 of 4,374 health · 2025Q4CYPRUS · health 94/100 · $1.93B · 2025Q4
- DELQ 94/100
- ROA 12.3%
- ASSETS 0.47%
- MEM 0.71%
- RANK $1.93B
- PHOTO 148,414
- BOOK #499/4,374
- CHARTER Franklin Mint
- NCUSIF 24688
Call Report peers
CYPRUS in the assets neighbourhood
CYPRUS's $1.93B assets sit next to Franklin Mint ($1.91B) 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.
CYPRUS 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
94 Top 13% higher than 87% 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
CYPRUS - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24688, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where CYPRUS diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 105.22% vs peer 83.90% (+21.32 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
CYPRUS in Utah
- In Utah, health place is #9 of 53 on the same NCUA-ratio sort used nationally.
- Assets rank #6 of 53 inside Utah ($1.93B reported).
- Membership ranks #5 of 53 among Utah CUs with a reported count (148,414 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.
CYPRUS: 2025Q4 → 2026Q1
CYPRUS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.4% from $1.93B (2025Q4) to $2.07B (2026Q1).
- Net-worth ratio shifted +0.42 pp (11.91% → 12.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.33% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 9.0 pts
CYPRUS vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.33% | +1.15 pp |
| Delinquency Rate | 0.47% | -0.40 pp |
| Return on Assets | 0.71% | +0.21 pp |
| Member Growth | 5.25% | - |
| Loan-to-Share Ratio | 105.22% | +21.32 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
CYPRUS quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.07B | - |
| 2025Q4 | $1.93B | 148,414 |
| 2024Q4 | $1.81B | 141,010 |
| 2023Q4 | $1.74B | 134,957 |
Credit Union Details
- Charter Number
- 24688
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Utah
- City
- West Jordan
- Data Quarter
- 2025Q4
Branch Locations (23)
The NCUA branch filing lists 23 physical offices for CYPRUS, spread across 17 cities.
| Office | City |
|---|---|
| Jordan Landing (Main Office) | West Jordan, UT |
| Centerville Walmart | Centerville, UT |
| Draper | Draper, UT |
| Hurricane | Hurricane, UT |
| Magna | Magna, UT |
| Union Park | Midvale, UT |
| North Salt Lake | North Salt Lake, UT |
| Riverton | Riverton, UT |
| Herriman | Riverton, UT |
| Midvalley | Salt Lake City, UT |
| 480 E 400 S | Salt Lake City, UT |
| 4500 South 780 E | Salt Lake City, UT |
| Foothill | Salt Lake City, UT |
| Sandy 9000 South | Sandy, UT |
| Saratoga Springs | Saratoga Springs, UT |
| South Jordan Walmart | South Jordan, UT |
| River Crossing | St George, UT |
| 4700 South | Taylorsville, UT |
| Tooele Walmart | Tooele, UT |
| West Jordan | West Jordan, UT |
| West Valley (5600 W) | West Valley, UT |
| West Valley (3500 S) | West Valley City, UT |
| West Valley (4700 S) | West Valley City, 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
Cross-state asset and health neighbours for CYPRUS - kept outside Utah; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.93B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- CYPRUS ranks #499 of 4,374 nationally on financial health and #9 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Canyon View is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Canyon View
- 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 CYPRUS financially healthy?
A 12.33% net worth ratio and a 0.47% delinquency rate feed into CYPRUS's financial health score of 94/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #499 of 4,374; by total assets it ranks #269 of 4,374 nationally (same basis as /rankings/largest); and #6 of 53 within Utah. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does CYPRUS compare to other credit unions?
PlainCU's health composite puts CYPRUS at 94/100, compared to a peer group average for Over $500M 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 CYPRUS?
CYPRUS operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CYPRUS directly for the exact boundaries and application steps.
Is my money safe at CYPRUS?
Federal credit unions like CYPRUS 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. CYPRUS's net worth ratio of 12.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CYPRUS offer compared to banks?
Credit unions like CYPRUS 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 CYPRUS 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.