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
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
The busiest band is 85-89 (858 credit unions); Hollyfrontier Employee's sits in 65-69 with 275 others.
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
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).
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.
- One place up in Utah, Logan Medical (#49) scores 66/100, 1 point higher; one place down, American United (#51) scores 63/100, 2 points lower.
Hollyfrontier Employee's: 2025Q4 → 2026Q1
Hollyfrontier Employee's: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $5.9M (2025Q4) to $6.0M (2026Q1).
- Net-worth ratio shifted -0.15 pp (32.33% → 32.18%).
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
Hollyfrontier Employee's gives up 35 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Hollyfrontier Employee's financially healthy?
On its 2025Q4 NCUA 5300 filing, Hollyfrontier Employee's scores 65/100 (Good), with a 32.18% net worth ratio and 1.48% of loans delinquent. It ranks #3,851 of 4,374 nationally on health and #50 of 53 in Utah.
How does Hollyfrontier Employee's compare to other credit unions?
Hollyfrontier Employee's scores 65/100, higher than 11% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (118.63% vs 63.60%).
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?
Hollyfrontier Employee's is a state-chartered 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. Hollyfrontier Employee's's net worth ratio of 32.18% 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.