Federal credit union · Brigham City, Utah · NCUA charter #9163
ELEVATE
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $249.4M
- Total assets
- 15,202
- Members
- 20.4%
- Net-worth ratio
ELEVATE scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $249.4M; members 15,202; net-worth ratio 20.43%; health rank #137 of 4,374; healthier than 95th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#137 of 4,374 health · 2025Q4ELEVATE · health 97/100 · $249.4M · 2025Q4
Call Report peers
ELEVATE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ELEVATE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ELEVATE sits in 95-99 with 391 others.
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
ELEVATE: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 81.49% here, 72.20% peer average (+9.29 pp).
Where ELEVATE sits in Utah
- In Utah, health place is #5 of 53 on the same NCUA-ratio sort used nationally.
- Utah assets place: #15 of 53.
- Membership ranks #15 of 53 among Utah CUs with a reported count (15,202 members).
- One place up in Utah, S E a (#4) scores 98/100, 1 point higher; one place down, GOLDENWEST (#6) ties at 97/100.
ELEVATE: 2025Q4 → 2026Q1
ELEVATE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.3% from $249.4M (2025Q4) to $260.0M (2026Q1).
- Net-worth ratio shifted -0.46 pp (20.89% → 20.43%).
20.43% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 97/100 score is built
ELEVATE gives up 3 points in total. Member Growth costs the most, 3.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.9 pts
- Loan-to-Share Ratio 15.1 pts
ELEVATE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.43% | +8.32 pp |
| Delinquency Rate | 0.21% | -0.68 pp |
| Return on Assets | 1.33% | +0.71 pp |
| Member Growth | 2.45% | - |
| Loan-to-Share Ratio | 81.49% | +9.29 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $260.0M | - |
| 2025Q4 | $249.4M | 15,202 |
| 2024Q4 | $238.9M | 14,839 |
| 2023Q4 | $215.8M | 14,487 |
Credit Union Details
- Charter Number
- 9163
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Utah
- City
- Brigham City
- Data Quarter
- 2025Q4
Branch Locations (3)
ELEVATE operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Elevate Credit Union (Main Office) | Brigham City, UT |
| Elevate Credit Union | Garland, UT |
| Elevate Credit Union | Logan, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Utah
Other federally-insured credit unions in Utah, closest first by peer group and asset size.
Cross-state Call Report peers for ELEVATE
Using this data
- ELEVATE ranks #137 of 4,374 nationally on financial health and #5 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Eastern Utah Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Eastern Utah Community
Frequently Asked Questions
Is ELEVATE financially healthy?
ELEVATE has a financial health score of 97/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #137 of 4,374 nationally on health and #5 of 53 in Utah. Its net worth ratio is 20.43% and its delinquency rate 0.21%.
How does ELEVATE compare to other credit unions?
ELEVATE scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (81.49% vs 72.20%).
How can I join ELEVATE?
ELEVATE 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 ELEVATE directly for the exact boundaries and application steps.
Is my money safe at ELEVATE?
ELEVATE is a federal credit union; its shares are federally 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. ELEVATE's net worth ratio of 20.43% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.