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
NCUA 5300 Call Report Masthead
#441 of 4,374 health · 2025Q4North Sanpete · health 94/100 · $1.2M · 2025Q4
- CAMELS 94/100
- HEALTH 23.3%
- NW 0.00%
- DELQ 0.57%
- ROA $1.2M
- ASSETS 350
- MEM #441/4,374
- RANK n/a
- PHOTO 13224
North Sanpete carries $1.2M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
North Sanpete 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
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 - 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 vs Under $2M peers
- Largest favorable gap: Loan-to-Share Ratio at 78.61% vs peer 52.70% (+25.91 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for UT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
North Sanpete Call Report trajectory
North Sanpete: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.9% from $1.2M (2025Q4) to $1.2M (2026Q1).
- Net-worth ratio shifted +0.67 pp (22.63% → 23.30%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
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
Two NCUA Call Report peer sets for North Sanpete, both outside Utah so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
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
- 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 North Sanpete financially healthy?
A 23.30% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #441 of 4,374; by total assets it ranks #4,205 of 4,374 nationally (same basis as /rankings/largest); and #49 of 53 within Utah. 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 23.30% 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.
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.