Federal credit union · SALT LAKE CITY, Utah · NCUA charter #7546
RIDGELINE
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $27.2M
- Total assets
- 1,500
- Members
- 9.5%
- Net-worth ratio
RIDGELINE scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $27.2M; members 1,500; net-worth ratio 9.53%; health rank #3,124 of 4,374; healthier than 28th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,124 of 4,374 health · 2025Q4RIDGELINE · health 77/100 · $27.2M · 2025Q4
Call Report peers
RIDGELINE in the assets neighbourhood
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RIDGELINE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); RIDGELINE sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
RIDGELINE: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.56 pp (0.58% vs 1.15%).
- Loan-to-Share Ratio trails the peer set - 50.01% here, 59.80% peer average (-9.79 pp).
Where RIDGELINE sits in Utah
- In Utah, health place is #40 of 53 on the same NCUA-ratio sort used nationally.
- Assets rank #38 of 53 inside Utah ($27.2M reported).
- Membership ranks #40 of 53 among Utah CUs with a reported count (1,500 members).
- One place up in Utah, Lu 354 I B E W (#39) ties at 77/100; one place down, Utah Heritage (#41) scores 76/100, 1 point lower.
How RIDGELINE's 5300 filing moved
RIDGELINE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.6% from $27.2M (2025Q4) to $27.0M (2026Q1).
- Net-worth ratio shifted -0.02 pp (9.55% → 9.53%).
This credit union's 9.53% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 77/100 score is built
RIDGELINE gives up 23 points in total. Member Growth costs the most, 12.9 of its 15; Delinquency Rate loses the least, 0.8.
- Net Worth Ratio 28.8 pts
- Delinquency Rate 24.2 pts
- Return on Assets 11.0 pts
- Member Growth 2.1 pts
- Loan-to-Share Ratio 10.9 pts
RIDGELINE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.53% | -5.33 pp |
| Delinquency Rate | 0.58% | -0.56 pp |
| Return on Assets | 0.23% | -0.47 pp |
| Member Growth | -3.85% | - |
| Loan-to-Share Ratio | 50.01% | -9.79 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $27.0M | - |
| 2025Q4 | $27.2M | 1,500 |
| 2024Q4 | $27.3M | 1,560 |
| 2023Q4 | $26.7M | 1,921 |
Credit Union Details
- Charter Number
- 7546
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Utah
- City
- SALT LAKE CITY
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, RIDGELINE runs one office.
| Office | City |
|---|---|
| Corporate Office (Main Office) | SALT LAKE CITY, 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
Using this data
- RIDGELINE ranks #3,124 of 4,374 nationally on financial health and #40 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- New Heights is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with New Heights
Frequently Asked Questions
Is RIDGELINE financially healthy?
On its 2025Q4 NCUA 5300 filing, RIDGELINE scores 77/100 (Very Good), with a 9.53% net worth ratio and 0.58% of loans delinquent. It ranks #3,124 of 4,374 nationally on health and #40 of 53 in Utah.
How does RIDGELINE compare to other credit unions?
RIDGELINE scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.58% vs 1.15%). Its widest shortfall is loan-to-share ratio (50.01% vs 59.80%).
How can I join RIDGELINE?
RIDGELINE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact RIDGELINE directly for the exact boundaries and application steps.
Is my money safe at RIDGELINE?
RIDGELINE 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. RIDGELINE's net worth ratio of 9.53% 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.