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
- PHOTO 86/100
- BOOK 34.3%
- CHARTER 0.22%
- NCUSIF 1.48%
- CAMELS $45.2M
- HEALTH 2,938
- NW #1,738/4,374
- DELQ WAKOTA
- ROA 6920
Call Report peers
Nephi Western Employees in the assets neighbourhood
Nephi Western Employees's $45.2M assets sit next to WAKOTA ($45.2M) 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.
Nephi Western Employees 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
86 Top 43% higher than 57% 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
Nephi Western Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #6920, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for UT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Nephi Western Employees Call Report trajectory
Nephi Western Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $45.2M (2025Q4) to $46.1M (2026Q1).
- Net-worth ratio shifted -0.33 pp (34.61% → 34.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- 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 |
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).
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
Nephi Western Employees's nationwide photo peers by assets and by health score, excluding Utah charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($45.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
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
- 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 Nephi Western Employees financially healthy?
Yes/no aside, the number is 86/100 (Excellent) - Nephi Western Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,738 of 4,374; by total assets it ranks #2,481 of 4,374 nationally (same basis as /rankings/largest); and #31 of 53 within Utah. Above 80 reads excellent, below 50 warrants closer monitoring; a 34.28% net worth ratio and 0.22% delinquency rate are the key drivers.
How does Nephi Western Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Nephi Western Employees's 86/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like Nephi Western Employees 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. Nephi Western Employees's net worth ratio of 34.28% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Nephi Western Employees offer compared to banks?
Credit unions like Nephi Western Employees 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 Nephi Western Employees 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.