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.
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NCUA 5300 Call Report Masthead
#1,202 of 4,374 health · 2025Q4NEBO · health 89/100 · $144.6M · 2025Q4
Call Report peers
NEBO in the assets neighbourhood
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NEBO vs every NCUA-scored credit union
NEBO sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Utah, America First (#18) scores 90/100, 1 point higher; one place down, Utah Power (#20) ties at 89/100.
Quarter path for NEBO
NEBO: total assets by quarter
2023Q4 to 2025Q4, NCUA 5300
- 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%).
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
NEBO gives up 11 points in total. Member Growth costs the most, 5.9 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is NEBO financially healthy?
NEBO has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,202 of 4,374 nationally on health and #19 of 53 in Utah. Its net worth ratio is 16.65% and its delinquency rate 0.98%.
How does NEBO compare to other credit unions?
NEBO scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (84.54% vs 72.20%). Its widest shortfall is return on assets (0.49% vs 0.62%).
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?
NEBO 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. NEBO's net worth ratio of 16.65% 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.