Federal credit union · Nephi, Utah · NCUA charter #6920
Nephi Western Employees
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $45.2M
- Total assets
- 2,938
- Members
- 34.3%
- Net-worth ratio
Nephi Western Employees scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $45.2M; members 2,938; net-worth ratio 34.28%; health rank #1,738 of 4,374; healthier than 57th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,738 of 4,374 health · 2025Q4Nephi Western Employees · health 86/100 · $45.2M · 2025Q4
Call Report peers
Nephi Western Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Nephi Western Employees vs every NCUA-scored credit union
Nephi Western Employees sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Nephi Western Employees: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +38.66 pp (98.46% vs 59.80%).
Where Nephi Western Employees sits in Utah
- In Utah, health place is #27 of 53 on the same NCUA-ratio sort used nationally.
- Assets rank #31 of 53 inside Utah ($45.2M reported).
- Membership ranks #32 of 53 among Utah CUs with a reported count (2,938 members).
- One place up in Utah, ALPINE (#26) scores 87/100, 1 point higher; one place down, Desert Rivers (#28) ties at 86/100.
Nephi Western Employees Call Report trajectory
Nephi Western Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $45.2M (2025Q4) to $46.1M (2026Q1).
- Net-worth ratio shifted -0.33 pp (34.61% → 34.28%).
34.28% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
Nephi Western Employees gives up 14 points in total. Member Growth costs the most, 10.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.8 pts
- Loan-to-Share Ratio 11.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 34.28% | +19.42 pp |
| Delinquency Rate | 0.22% | -0.92 pp |
| Return on Assets | 1.48% | +0.78 pp |
| Member Growth | -2.33% | - |
| Loan-to-Share Ratio | 98.46% | +38.66 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Nephi Western Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $46.1M | - |
| 2025Q4 | $45.2M | 2,938 |
| 2024Q4 | $44.5M | 3,008 |
| 2023Q4 | $42.9M | 3,119 |
Credit Union Details
- Charter Number
- 6920
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Utah
- City
- Nephi
- Data Quarter
- 2025Q4
Branch Location
Nephi Western Employees operates a single office in Nephi, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Nephi Western Employees Federal Credit Union (Main Office) | Nephi, 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.
Other-state peers near Nephi Western Employees
Similar total assets
Using this data
- Nephi Western Employees ranks #1,738 of 4,374 nationally on financial health and #27 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DESERTVIEW is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DESERTVIEW
Frequently Asked Questions
Is Nephi Western Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Nephi Western Employees scores 86/100 (Excellent), with a 34.28% net worth ratio and 0.22% of loans delinquent. It ranks #1,738 of 4,374 nationally on health and #27 of 53 in Utah.
How does Nephi Western Employees compare to other credit unions?
Nephi Western Employees scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (98.46% vs 59.80%).
How can I join Nephi Western Employees?
Nephi Western Employees 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 Nephi Western Employees directly for the exact boundaries and application steps.
Is my money safe at Nephi Western Employees?
Nephi Western Employees 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. Nephi Western Employees's net worth ratio of 34.28% 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.