Federal credit union · SALT LAKE CITY, Utah · NCUA charter #9398
Lu 354 I B E W
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $40.1M
- Total assets
- 2,647
- Members
- 16.5%
- Net-worth ratio
Lu 354 I B E W scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $40.1M; members 2,647; net-worth ratio 16.47%; health rank #3,054 of 4,374; healthier than 28th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,054 of 4,374 health · 2025Q4Lu 354 I B E W · health 77/100 · $40.1M · 2025Q4
Call Report peers
Lu 354 I B E W in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Lu 354 I B E W vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Lu 354 I B E W sits in 75-79 with 502 others.
77 28th percentile higher than 28% 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
Lu 354 I B E W: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +26.61 pp (86.41% vs 59.80%).
- Widest shortfall vs peers is Delinquency Rate: +1.56 pp (2.71% vs 1.15%).
Lu 354 I B E W in Utah
- Health composite ranks #39 of 53 among scored Utah credit unions.
- Utah assets place: #33 of 53.
- Utah membership ordinal: #34 of 53.
- One place up in Utah, Valley Wide (#38) ties at 77/100; one place down, RIDGELINE (#40) ties at 77/100.
How Lu 354 I B E W's 5300 filing moved
Lu 354 I B E W: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $40.1M (2025Q4) to $39.9M (2026Q1).
- Net-worth ratio shifted +0.39 pp (16.08% → 16.47%).
This credit union's 16.47% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 77/100 score is built
Lu 354 I B E W gives up 23 points in total. Delinquency Rate costs the most, 16.9 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.1 pts
- Return on Assets 15.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 14.9 pts
Lu 354 I B E W health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.47% | +1.61 pp |
| Delinquency Rate | 2.71% | +1.56 pp |
| Return on Assets | 1.13% | +0.43 pp |
| Member Growth | 0.04% | - |
| Loan-to-Share Ratio | 86.41% | +26.61 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Lu 354 I B E W quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $39.9M | - |
| 2025Q4 | $40.1M | 2,647 |
| 2024Q4 | $37.8M | 2,646 |
| 2023Q4 | $36.1M | 2,636 |
Credit Union Details
- Charter Number
- 9398
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- Utah
- City
- SALT LAKE CITY
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Lu 354 I B E W, spread across 2 cities.
| Office | City |
|---|---|
| Credit Union Office (Main Office) | Salt Lake City, UT |
| IBEW LOCAL 354 | Salt Lake City, UT |
| CMC | Sandy, UT |
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.
Nationwide credit unions with similar profiles
Using this data
- Lu 354 I B E W ranks #3,054 of 4,374 nationally on financial health and #39 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HI-LAND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HI-LAND
Frequently Asked Questions
Is Lu 354 I B E W financially healthy?
On its 2025Q4 NCUA 5300 filing, Lu 354 I B E W scores 77/100 (Very Good), with a 16.47% net worth ratio and 2.71% of loans delinquent. It ranks #3,054 of 4,374 nationally on health and #39 of 53 in Utah.
How does Lu 354 I B E W compare to other credit unions?
Lu 354 I B E W scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (86.41% vs 59.80%). Its widest shortfall is delinquency rate (2.71% vs 1.15%).
How can I join Lu 354 I B E W?
Lu 354 I B E W 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 Lu 354 I B E W directly for the exact boundaries and application steps.
Is my money safe at Lu 354 I B E W?
Lu 354 I B E W 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. Lu 354 I B E W's net worth ratio of 16.47% 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.