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
- MEM 83/100
- RANK 14.4%
- PHOTO 1.50%
- BOOK 1.03%
- CHARTER $2.6M
- NCUSIF 856
- CAMELS #2,243/4,374
- HEALTH n/a
- NW 13965
Call Report peers
Orem City Employees carries $2.6M 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.
Orem City 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
83 46th percentile higher than 46% 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
Orem City Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #13965, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for UT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Orem City Employees Call Report trajectory
Orem City Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.1% from $2.6M (2025Q4) to $2.7M (2026Q1).
- Net-worth ratio shifted -0.68 pp (15.07% → 14.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Cross-state asset and health neighbours for Orem City Employees - kept outside Utah; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
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
- 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 Orem City Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Orem City Employees carries a financial health score of 83/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,243 of 4,374; by total assets it ranks #4,083 of 4,374 nationally (same basis as /rankings/largest); and #47 of 53 within Utah. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.39% net worth ratio and a 1.50% delinquency rate.
How does Orem City Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Orem City Employees's 83/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 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?
Federal credit unions like Orem City 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. Orem City Employees's net worth ratio of 14.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Orem City Employees offer compared to banks?
Credit unions like Orem City 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 Orem City 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.