Federal credit union · ABERDEEN, Washington · NCUA charter #1851
Utility Employees
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $3.2M
- Total assets
- 378
- Members
- 19.0%
- Net-worth ratio
Utility Employees scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.2M; members 378; net-worth ratio 19.01%; health rank #141 of 4,374; healthier than 95th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#141 of 4,374 health · 2025Q4Utility Employees · health 97/100 · $3.2M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Utility Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Utility Employees sits in 95-99 with 391 others.
97 Top 5% higher than 95% 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
Utility Employees: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +10.26 pp (73.86% vs 63.60%).
- Widest shortfall vs peers is Net Worth Ratio: -0.05 pp (19.01% vs 19.06%).
Utility Employees: in-state Call Report ranks
- In Washington, health place is #2 of 75 on the same NCUA-ratio sort used nationally.
- Assets rank #75 of 75 inside Washington ($3.2M reported).
- Washington membership ordinal: #75 of 75.
- One place up in Washington, Alaska Air Group (#1) scores 99/100, 2 points higher; one place down, Boeing Employees (#3) ties at 97/100.
Quarter path for Utility Employees
Utility Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.1% from $3.2M (2025Q4) to $3.2M (2026Q1).
- Net-worth ratio shifted +0.38 pp (18.63% → 19.01%).
This credit union's 19.01% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
Utility Employees gives up 3 points in total. Member Growth costs the most, 2.4 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.7 pts
- Return on Assets 15.0 pts
- Member Growth 12.6 pts
- Loan-to-Share Ratio 14.7 pts
Utility Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.01% | -0.05 pp |
| Delinquency Rate | 0.53% | -1.28 pp |
| Return on Assets | 0.51% | +0.06 pp |
| Member Growth | 3.00% | - |
| Loan-to-Share Ratio | 73.86% | +10.26 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Utility Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.2M | - |
| 2025Q4 | $3.2M | 378 |
| 2024Q4 | $3.5M | 367 |
| 2023Q4 | $3.8M | 379 |
Credit Union Details
- Charter Number
- 1851
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Washington
- City
- ABERDEEN
- Data Quarter
- 2025Q4
Branch Location
Utility Employees operates a single office in Hoquiam, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Utility Employees Federal Credit Union (Main Office) | Hoquiam, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
Other federally-insured credit unions in Washington, closest first by peer group and asset size.
Cross-state Call Report peers for Utility Employees
Similar health score
Using this data
- Utility Employees ranks #141 of 4,374 nationally on financial health and #2 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LONGSHORE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LONGSHORE
Frequently Asked Questions
Is Utility Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Utility Employees scores 97/100 (Excellent), with a 19.01% net worth ratio and 0.53% of loans delinquent. It ranks #141 of 4,374 nationally on health and #2 of 75 in Washington.
How does Utility Employees compare to other credit unions?
Utility Employees scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (73.86% vs 63.60%). Its widest shortfall is net worth ratio (19.01% vs 19.06%).
How can I join Utility Employees?
Utility Employees 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 Utility Employees directly for the exact boundaries and application steps.
Is my money safe at Utility Employees?
Utility Employees 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. Utility Employees's net worth ratio of 19.01% 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.