Federal credit union · SALT LAKE CITY, Utah · NCUA charter #9398
Lu 354 I B E W
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $40.1M
- Total assets
- 2,647
- Members
- 16.1%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)32
- Earnings (ROA)100
- Member growth60
- Liquidity (loan-to-share)100
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 16.08% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.08% | 30% |
| Delinquency Rate | 2.71% | 25% |
| Return on Assets | 1.13% | 15% |
| Member Growth | 0.04% | 15% |
| Loan-to-Share Ratio | 86.41% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Lu 354 I B E W
Headquartered in SALT LAKE CITY, Utah, Lu 354 I B E W is a federal credit union with 2,647 members, $40.1M in total assets, and $29.1M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 77/100 (Very Good), driven in part by a net worth ratio of 16.08% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #9398 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 2.71% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers - and a 86.41% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.13% on net income of $453K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.04%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other/Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Utah
More federally-insured credit unions based in Utah, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Lu 354 I B E W financially healthy?
A 16.08% 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. 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 16.08% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.