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
- CHARTER 77/100
- NCUSIF 16.5%
- CAMELS 2.71%
- HEALTH 1.13%
- NW $40.1M
- DELQ 2,647
- ROA #3,054/4,374
- ASSETS Epb Employees
- MEM 9398
Call Report peers
Lu 354 I B E W in the assets neighbourhood
Lu 354 I B E W's $40.1M assets sit next to Epb Employees ($40.0M) 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.
Lu 354 I B E W 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
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 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9398, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for UT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Lu 354 I B E W's 5300 filing moved
Lu 354 I B E W: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $40.1M (2025Q4) to $39.9M (2026Q1).
- Net-worth ratio shifted +0.39 pp (16.08% → 16.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Lu 354 I B E W's nationwide photo peers by assets and by health score, excluding Utah charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($40.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
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
- 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 Lu 354 I B E W financially healthy?
A 16.47% net worth ratio and a 2.71% delinquency rate feed into Lu 354 I B E W's financial health score of 77/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,054 of 4,374; by total assets it ranks #2,601 of 4,374 nationally (same basis as /rankings/largest); and #33 of 53 within Utah. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Lu 354 I B E W compare to other credit unions?
77/100 is Lu 354 I B E W's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Lu 354 I B E W 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. Lu 354 I B E W's net worth ratio of 16.47% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lu 354 I B E W offer compared to banks?
Credit unions like Lu 354 I B E W 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 Lu 354 I B E W 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.