Federal credit union · Fairview, Utah · NCUA charter #13224
North Sanpete
Health score 94/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $1.2M
- Total assets
- 350
- Members
- 15.8%
- Net-worth ratio
North Sanpete - Share Insurance Coverage
Charter #13224'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.
North Sanpete - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth60
- Liquidity (loan-to-share)100
Weighted composite: 94/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 15.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.76% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.57% | 15% |
| Member Growth | 0.00% | 15% |
| Loan-to-Share Ratio | 78.61% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.2M | 350 |
| 2024Q4 | $1.2M | 350 |
| 2023Q4 | $1.2M | 349 |
Credit Union Details
- Charter Number
- 13224
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- Under $2M
- State
- Utah
- City
- Fairview
- Data Quarter
- 2025Q4
What This Data Says About North Sanpete
North Sanpete is a federal credit union headquartered in Fairview, Utah, serving 350 members with $1.2M in total assets and $748K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 94/100 (Excellent), anchored by a net worth ratio of 15.76% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #13224 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.00% measures loans 60+ days past due against total loans outstanding - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. The loan-to-share ratio of 78.61% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.57% on net income of $7K 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 0.00%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Single Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Utah
A look at other Utah credit unions, ranked by how closely their peer group and asset size match this one.
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 North Sanpete financially healthy?
A 15.76% net worth ratio and a 0.00% delinquency rate feed into North Sanpete's financial health score of 94/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does North Sanpete compare to other credit unions?
94/100 is North Sanpete's score on PlainCU's health composite, compared to a peer group average for Under $2M 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 North Sanpete?
North Sanpete is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact North Sanpete directly to confirm eligibility.
Is my money safe at North Sanpete?
Federal credit unions like North Sanpete 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. North Sanpete's net worth ratio of 15.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does North Sanpete offer compared to banks?
Credit unions like North Sanpete 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 North Sanpete 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.