Federal credit union · Salt Lake City, Utah · NCUA charter #528
Utah First
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $1.13B
- Total assets
- 44,697
- Members
- 10.2%
- Net-worth ratio
Utah First scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.13B; members 44,697; net-worth ratio 10.20%; health rank #539 of 4,374; healthier than 87th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#539 of 4,374 health · 2025Q4Utah First · health 94/100 · $1.13B · 2025Q4
- DELQ 94/100
- ROA 10.2%
- ASSETS 0.27%
- MEM 1.03%
- RANK $1.13B
- PHOTO 44,697
- BOOK #539/4,374
- CHARTER BLUPEAK
- NCUSIF 528
Call Report peers
Utah First in the assets neighbourhood
Utah First's $1.13B assets sit next to BLUPEAK ($1.13B) 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 First 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
94 Top 13% higher than 87% 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 First - Share Insurance Coverage
Charter #528'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 First diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 104.08% here, 83.90% peer average (+20.18 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.98 pp (10.20% 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 First sits in Utah
- In Utah, health place is #10 of 53 on the same NCUA-ratio sort used nationally.
- By total assets, Utah First is #8 of 53 in Utah.
- Utah membership ordinal: #8 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 First: 2025Q4 → 2026Q1
Utah First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $1.13B (2025Q4) to $1.16B (2026Q1).
- Net-worth ratio shifted -0.02 pp (10.22% → 10.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.20%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 9.0 pts
Utah First health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.20% | -0.98 pp |
| Delinquency Rate | 0.27% | -0.61 pp |
| Return on Assets | 1.03% | +0.52 pp |
| Member Growth | 9.81% | - |
| Loan-to-Share Ratio | 104.08% | +20.18 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 | $1.16B | - |
| 2025Q4 | $1.13B | 44,697 |
| 2024Q4 | $1.05B | 40,703 |
| 2023Q4 | $974.2M | 36,943 |
Credit Union Details
- Charter Number
- 528
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Utah
- City
- Salt Lake City
- Data Quarter
- 2025Q4
Branch Locations (11)
Utah First operates 11 offices across 10 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Salt Lake City Branch (Main Office) | Salt Lake City, UT |
| American Fork Branch | American Fork, UT |
| Cottonwood Heights Branch | Cottonwood Heights, UT |
| Farmington Branch | Farmington, UT |
| Provo Branch | Provo, UT |
| Postal First Branch | Salt Lake City, UT |
| Sandy Branch | Sandy, UT |
| South Jordan | South Jordan, UT |
| St. George | St George, UT |
| Washington | Washington, UT |
| Woods Cross Branch | Woods Cross, 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.
Other-state peers near Utah First
Two NCUA Call Report peer sets for Utah First, both outside Utah so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.13B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Utah First ranks #539 of 4,374 nationally on financial health and #10 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Utah Power is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Utah Power
- 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 First financially healthy?
A 10.20% net worth ratio and a 0.27% delinquency rate feed into Utah First's financial health score of 94/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #539 of 4,374; by total assets it ranks #424 of 4,374 nationally (same basis as /rankings/largest); and #8 of 53 within Utah. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Utah First compare to other credit unions?
Utah First scores 94/100 on PlainCU's health composite, compared to a peer group average for Over $500M 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 Utah First?
Utah First 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 First directly for the exact boundaries and application steps.
Is my money safe at Utah First?
Federal credit unions like Utah First 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 First's net worth ratio of 10.20% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Utah First offer compared to banks?
Credit unions like Utah First 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 First 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.