State credit union · Springville, Utah · NCUA charter #67146
NEBO
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $144.6M
- Total assets
- 12,769
- Members
- 16.7%
- Net-worth ratio
NEBO scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $144.6M; members 12,769; net-worth ratio 16.65%; health rank #1,202 of 4,374; healthier than 69th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,202 of 4,374 health · 2025Q4NEBO · health 89/100 · $144.6M · 2025Q4
- BOOK 89/100
- CHARTER 16.7%
- NCUSIF 0.98%
- CAMELS 0.49%
- HEALTH $144.6M
- NW 12,769
- DELQ #1,202/4,374
- ROA Consumers Professional
- ASSETS 67146
Call Report peers
NEBO in the assets neighbourhood
NEBO's $144.6M assets sit next to Consumers Professional ($144.6M) 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.
NEBO 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
89 Top 31% higher than 69% 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
NEBO - Share Insurance Coverage
Charter #67146'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.
NEBO: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +12.34 pp (84.54% vs 72.20%).
- Largest lag: Return on Assets at 0.49% vs peer 0.62% (-0.14 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Utah standing for NEBO
- Health composite ranks #19 of 53 among scored Utah credit unions.
- Assets rank #22 of 53 inside Utah ($144.6M reported).
- Utah membership ordinal: #17 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.
Quarter path for NEBO
NEBO: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $139.8M (2024Q4) to $144.6M (2025Q4).
- Membership moved +0.1% from 12,756 to 12,769 over the same window.
- Net-worth ratio shifted -0.36 pp (17.01% → 16.65%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.65% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.2 pts
- Return on Assets 14.8 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 14.9 pts
Call Report ratios for NEBO
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.65% | +4.54 pp |
| Delinquency Rate | 0.98% | +0.08 pp |
| Return on Assets | 0.49% | -0.14 pp |
| Member Growth | 0.10% | - |
| Loan-to-Share Ratio | 84.54% | +12.34 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $144.6M | 12,769 |
| 2024Q4 | $139.8M | 12,756 |
| 2023Q4 | $139.5M | 13,960 |
Credit Union Details
- Charter Number
- 67146
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Utah
- City
- Springville
- Data Quarter
- 2025Q4
Nearby Credit Unions in Utah
More federally-insured credit unions based in Utah, ordered by peer group match and asset size.
Other-state peers near NEBO
Cross-state asset and health neighbours for NEBO - kept outside Utah; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($144.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- NEBO ranks #1,202 of 4,374 nationally on financial health and #19 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pacific Horizon is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pacific Horizon
- 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 NEBO financially healthy?
NEBO scores 89/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,202 of 4,374; by total assets it ranks #1,513 of 4,374 nationally (same basis as /rankings/largest); and #22 of 53 within Utah. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 16.65% net worth ratio and a 0.98% delinquency rate.
How does NEBO compare to other credit unions?
On PlainCU's health composite, NEBO lands at 89/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 NEBO?
Membership eligibility for NEBO depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact NEBO directly for current membership requirements and application steps.
Is my money safe at NEBO?
Federal credit unions like NEBO 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. NEBO's net worth ratio of 16.65% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does NEBO offer compared to banks?
Credit unions like NEBO 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 NEBO 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.