State credit union · Manti, Utah · NCUA charter #67130
South Sanpete
Health score 96/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $1.1M
- Total assets
- 196
- Members
- 12.7%
- Net-worth ratio
South Sanpete - Share Insurance Coverage
Charter #67130'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.
South Sanpete - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth77
- Liquidity (loan-to-share)94
Weighted composite: 96/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 12.75%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.75% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.66% | 15% |
| Member Growth | 2.08% | 15% |
| Loan-to-Share Ratio | 66.31% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.1M | 196 |
| 2024Q4 | $1.1M | 192 |
| 2023Q4 | $1.1M | 190 |
Credit Union Details
- Charter Number
- 67130
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Utah
- City
- Manti
- Data Quarter
- 2025Q4
What This Data Says About South Sanpete
Charter #67130, peer group Under $2M, a cohort of 243 similarly-sized institutions: that's South Sanpete, a state credit union in Manti, Utah with 196 members, $1.1M in total assets, and $615K in outstanding loans as of Q4 2025. The five-factor composite scores it 96/100 (Excellent), helped by a net worth ratio of 12.75% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 66.31% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.00% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Return on assets stands at 0.66% on net income of $7K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 2.08%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is South Sanpete financially healthy?
South Sanpete has a financial health score of 96/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.75% and delinquency rate of 0.00%.
How does South Sanpete compare to other credit unions?
South Sanpete scores 96/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 South Sanpete?
Membership eligibility for South Sanpete depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact South Sanpete directly for current membership requirements and application steps.
Is my money safe at South Sanpete?
Federal credit unions like South 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. South Sanpete's net worth ratio of 12.75% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does South Sanpete offer compared to banks?
Credit unions like South 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 South Sanpete directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.