Federal credit union · Provo, Utah · NCUA charter #10709
Utah Community
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $3.74B
- Total assets
- 265,405
- Members
- 10.5%
- Net-worth ratio
Utah Community scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.74B; members 265,405; net-worth ratio 10.47%; health rank #65 of 4,374; healthier than 98th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#65 of 4,374 health · 2025Q4Utah Community · health 99/100 · $3.74B · 2025Q4
- ASSETS 99/100
- MEM 10.5%
- RANK 0.51%
- PHOTO 1.01%
- BOOK $3.74B
- CHARTER 265,405
- NCUSIF #65/4,374
- CAMELS EDUCATORS
- HEALTH 10709
Call Report peers
Utah Community in the assets neighbourhood
Utah Community's $3.74B assets sit next to EDUCATORS ($3.75B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Utah Community 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
99 Top 2% higher than 98% 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
Utah Community - Share Insurance Coverage
Charter #10709'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.
Where Utah Community diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 93.03% here, 83.90% peer average (+9.13 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.71 pp (10.47% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Utah Community sits in Utah
- In Utah, health place is #3 of 53 on the same NCUA-ratio sort used nationally.
- Utah assets place: #4 of 53.
- Member book place in Utah: #3 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.
Utah Community Call Report trajectory
Utah Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $3.74B (2025Q4) to $3.86B (2026Q1).
- Net-worth ratio shifted +0.05 pp (10.42% → 10.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.47%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 99/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 99.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.9 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.1 pts
Utah Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.47% | -0.71 pp |
| Delinquency Rate | 0.51% | -0.37 pp |
| Return on Assets | 1.01% | +0.50 pp |
| Member Growth | 8.94% | - |
| Loan-to-Share Ratio | 93.03% | +9.13 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.86B | - |
| 2025Q4 | $3.74B | 265,405 |
| 2024Q4 | $3.17B | 243,635 |
| 2023Q4 | $2.96B | 237,670 |
Credit Union Details
- Charter Number
- 10709
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Utah
- City
- Provo
- Data Quarter
- 2025Q4
Branch Locations (26)
Utah Community operates 26 offices across 21 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Headquarters (Main Office) | Provo, UT |
| American Fork | American Fork, UT |
| DRAPER | DRAPER, UT |
| Heber | Heber City, UT |
| HERRIMAN | HERRIMAN, UT |
| Highland | Highland, UT |
| Lehi | Lehi, UT |
| Magna Branch | Magna, UT |
| Nephi | Nephi, UT |
| South Orem | Orem, UT |
| North Orem | Orem, UT |
| Utah Valley University | Orem, UT |
| Payson | Payson, UT |
| Pleasant Grove | Pleasant Grove, UT |
| Freedom | Provo, UT |
| East Bay | Provo, UT |
| Salem | Salem, UT |
| Salt Lake Branch | Salt Lake City, UT |
| Transwest Administrative Office | Salt Lake City, UT |
| Sandy Branch | Sandy, UT |
| Santaquin | Santaquin, UT |
| Saratoga Springs | Saratoga Springs, UT |
| Spanish Fork | Spanish Fork, UT |
| Springville | Springville, UT |
| Taylorsville Branch | Taylorsville, UT |
| Vineyard | Vineyard, 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.
Other-state peers near Utah Community
Utah Community's nationwide photo peers by assets and by health score, excluding Utah charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($3.74B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (99/100 here).
Using this data
- Utah Community ranks #65 of 4,374 nationally on financial health and #3 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GOLDENWEST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GOLDENWEST
- 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 Utah Community financially healthy?
Utah Community scores 99/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #65 of 4,374; by total assets it ranks #136 of 4,374 nationally (same basis as /rankings/largest); and #4 of 53 within Utah. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.47% net worth ratio and a 0.51% delinquency rate.
How does Utah Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Utah Community's 99/100 score on PlainCU's health composite, compared to a peer group average for Over $500M 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 Utah Community?
Utah Community 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 Utah Community directly for the exact boundaries and application steps.
Is my money safe at Utah Community?
Federal credit unions like Utah Community 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. Utah Community's net worth ratio of 10.47% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Utah Community offer compared to banks?
Credit unions like Utah Community 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 Utah Community 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.