Federal credit union · OREM, Utah · NCUA charter #13965
Orem City Employees
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $2.6M
- Total assets
- 856
- Members
- 14.4%
- Net-worth ratio
Orem City Employees scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.6M; members 856; net-worth ratio 14.39%; health rank #2,243 of 4,374; healthier than 46th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,243 of 4,374 health · 2025Q4Orem City Employees · health 83/100 · $2.6M · 2025Q4
Call Report peers
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Orem City Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Orem City Employees sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Orem City Employees diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +4.93 pp (68.53% vs 63.60%).
- Widest shortfall vs peers is Net Worth Ratio: -4.67 pp (14.39% vs 19.06%).
Orem City Employees: in-state Call Report ranks
- Utah health ordinal: #32 of 53.
- Utah assets place: #47 of 53.
- Member book place in Utah: #44 of 53.
- One place up in Utah, JORDAN (#31) scores 84/100, 1 point higher; one place down, Kings Peak (#33) scores 81/100, 2 points lower.
Orem City Employees Call Report trajectory
Orem City Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.1% from $2.6M (2025Q4) to $2.7M (2026Q1).
- Net-worth ratio shifted -0.68 pp (15.07% → 14.39%).
At 14.39%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
Orem City Employees gives up 17 points in total. Delinquency Rate costs the most, 8.7 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.3 pts
- Return on Assets 15.0 pts
- Member Growth 7.5 pts
- Loan-to-Share Ratio 14.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.39% | -4.67 pp |
| Delinquency Rate | 1.50% | -0.31 pp |
| Return on Assets | 1.03% | +0.58 pp |
| Member Growth | -0.81% | - |
| Loan-to-Share Ratio | 68.53% | +4.93 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - Orem City Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.7M | - |
| 2025Q4 | $2.6M | 856 |
| 2024Q4 | $2.7M | 863 |
| 2023Q4 | $2.6M | 836 |
Credit Union Details
- Charter Number
- 13965
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Utah
- City
- OREM
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Orem City Employees runs one office.
| Office | City |
|---|---|
| Only Office (Main Office) | Orem, 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.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Orem City Employees ranks #2,243 of 4,374 nationally on financial health and #32 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- UINTAH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with UINTAH
Frequently Asked Questions
Is Orem City Employees financially healthy?
Orem City Employees has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,243 of 4,374 nationally on health and #32 of 53 in Utah. Its net worth ratio is 14.39% and its delinquency rate 1.50%.
How does Orem City Employees compare to other credit unions?
Orem City Employees scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (68.53% vs 63.60%). Its widest shortfall is net worth ratio (14.39% vs 19.06%).
How can I join Orem City Employees?
Orem City Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Orem City Employees directly to confirm current membership steps.
Is my money safe at Orem City Employees?
Orem City 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. Orem City Employees's net worth ratio of 14.39% 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.