State credit union · Bountiful, Utah · NCUA charter #67078
Hollyfrontier Employee's
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $5.9M
- Total assets
- 706
- Members
- 32.2%
- Net-worth ratio
Hollyfrontier Employee's scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.9M; members 706; net-worth ratio 32.18%; health rank #3,851 of 4,374; healthier than 11th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,851 of 4,374 health · 2025Q4Hollyfrontier Employee's · health 65/100 · $5.9M · 2025Q4
- CAMELS 65/100
- HEALTH 32.2%
- NW 1.48%
- DELQ 1.40%
- ROA $5.9M
- ASSETS 706
- MEM #3,851/4,374
- RANK n/a
- PHOTO 67078
Hollyfrontier Employee's carries $5.9M 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.
Hollyfrontier Employee's 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
65 11th percentile higher than 11% 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
Hollyfrontier Employee's - Share Insurance Coverage
Charter #67078's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Hollyfrontier Employee's diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 118.63% here, 63.60% peer average (+55.03 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Hollyfrontier Employee's sits in Utah
- Health composite ranks #50 of 53 among scored Utah credit unions.
- Assets rank #45 of 53 inside Utah ($5.9M reported).
- Member book place in Utah: #46 of 53.
In-state ordinals use the live credit_unions table for UT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Hollyfrontier Employee's: 2025Q4 → 2026Q1
Hollyfrontier Employee's: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $5.9M (2025Q4) to $6.0M (2026Q1).
- Net-worth ratio shifted -0.15 pp (32.33% → 32.18%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 32.18%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 65/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.4 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 3.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 32.18% | +13.12 pp |
| Delinquency Rate | 1.48% | -0.33 pp |
| Return on Assets | 1.40% | +0.94 pp |
| Member Growth | -8.07% | - |
| Loan-to-Share Ratio | 118.63% | +55.03 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.0M | - |
| 2025Q4 | $5.9M | 706 |
| 2024Q4 | $5.7M | 768 |
| 2023Q4 | $6.4M | 717 |
Credit Union Details
- Charter Number
- 67078
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Utah
- City
- Bountiful
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Hollyfrontier Employee's, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| HollyFrontier Employee's Credit Union (Main Office) | West Bountiful, UT |
| Fiserv | Brookfield, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Utah
More federally-insured credit unions based in Utah, ordered by peer group match and asset size.
- GIBBONS AND REED EMPLOYEESSALT LAKE CITY, UT · $2M–$10M79Health
- S E ARichfield, UT · $2M–$10M98Health
- UINTAHVERNAL, UT · $2M–$10M87Health
- OREM CITY EMPLOYEESOREM, UT · $2M–$10M83Health
- C U PProvo, UT · $2M–$10M99Health
Compare Hollyfrontier Employee's vs GIBBONS AND REED EMPLOYEES
Hollyfrontier Employee's nationwide neighbourhoods
Cross-state asset and health neighbours for Hollyfrontier Employee's - kept outside Utah; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
Using this data
- Hollyfrontier Employee's ranks #3,851 of 4,374 nationally on financial health and #50 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Gibbons and Reed Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Gibbons and Reed Employees
- 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 Hollyfrontier Employee's financially healthy?
Yes/no aside, the number is 65/100 (Good) - Hollyfrontier Employee's'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 #3,851 of 4,374; by total assets it ranks #3,798 of 4,374 nationally (same basis as /rankings/largest); and #45 of 53 within Utah. Above 80 reads excellent, below 50 warrants closer monitoring; a 32.18% net worth ratio and 1.48% delinquency rate are the key drivers.
How does Hollyfrontier Employee's compare to other credit unions?
PlainCU's health composite puts Hollyfrontier Employee's at 65/100, compared to a peer group average for $2M–$10M 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 Hollyfrontier Employee's?
Membership eligibility for Hollyfrontier Employee's depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Hollyfrontier Employee's directly for current membership requirements and application steps.
Is my money safe at Hollyfrontier Employee's?
Federal credit unions like Hollyfrontier Employee's 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. Hollyfrontier Employee's's net worth ratio of 32.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hollyfrontier Employee's offer compared to banks?
Credit unions like Hollyfrontier Employee's 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 Hollyfrontier Employee's 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.