Federal credit union · Fairview, Utah · NCUA charter #13224
North Sanpete
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $1.2M
- Total assets
- 350
- Members
- 23.3%
- Net-worth ratio
North Sanpete scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.2M; members 350; net-worth ratio 23.30%; health rank #441 of 4,374; healthier than 87th of scored peers.
NCUA Call Report stamp band
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North Sanpete vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); North Sanpete sits in 90-94 with 747 others.
94 Top 13% higher than 87% 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
North Sanpete vs Under $2M peers
- Largest favorable gap: Loan-to-Share Ratio at 78.61% vs peer 52.70% (+25.91 pp).
Where North Sanpete sits in Utah
- Health composite ranks #8 of 53 among scored Utah credit unions.
- Assets rank #49 of 53 inside Utah ($1.2M reported).
- Utah membership ordinal: #48 of 53.
- One place up in Utah, South Sanpete (#7) scores 96/100, 2 points higher; one place down, CYPRUS (#9) ties at 94/100.
North Sanpete Call Report trajectory
North Sanpete: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.9% from $1.2M (2025Q4) to $1.2M (2026Q1).
- Net-worth ratio shifted +0.67 pp (22.63% → 23.30%).
At 23.30%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
North Sanpete gives up 6 points in total. Member Growth costs the most, 6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 15.0 pts
North Sanpete health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.30% | +0.37 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 0.57% | +0.35 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 78.61% | +25.91 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Call Report history - North Sanpete
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.2M | - |
| 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
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for North Sanpete, spread across 2 cities.
| Office | City |
|---|---|
| North Sanpete Federal Credit Union - Fairview (Main Office) | Fairview, UT |
| Cache Valley Bank | Fairview, UT |
| Clare Residence | Mt Pleasant, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
North Sanpete nationwide neighbourhoods
Similar health score
Using this data
- North Sanpete ranks #441 of 4,374 nationally on financial health and #8 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- South Sanpete is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with South Sanpete
Frequently Asked Questions
Is North Sanpete financially healthy?
On its 2025Q4 NCUA 5300 filing, North Sanpete scores 94/100 (Excellent), with a 23.30% net worth ratio and 0.00% of loans delinquent. It ranks #441 of 4,374 nationally on health and #8 of 53 in Utah.
How does North Sanpete compare to other credit unions?
North Sanpete scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (78.61% vs 52.70%).
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?
North Sanpete 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. North Sanpete's net worth ratio of 23.30% 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.