Federal credit union · OGDEN, Utah · NCUA charter #24780
Wasatch Peaks
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $632.1M
- Total assets
- 31,776
- Members
- 10.4%
- Net-worth ratio
Wasatch Peaks scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $632.1M; members 31,776; net-worth ratio 10.40%; health rank #981 of 4,374; healthier than 77th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#981 of 4,374 health · 2025Q4Wasatch Peaks · health 91/100 · $632.1M · 2025Q4
- NW 91/100
- DELQ 10.4%
- ROA 0.27%
- ASSETS 0.69%
- MEM $632.1M
- RANK 31,776
- PHOTO #981/4,374
- BOOK Fedex Employees Credit Association
- CHARTER 24780
Call Report peers
Wasatch Peaks in the assets neighbourhood
Wasatch Peaks's $632.1M assets sit next to Fedex Employees Credit Association ($632.4M) 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.
Wasatch Peaks 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
91 Top 23% higher than 77% 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
Wasatch Peaks - Share Insurance Coverage
Charter #24780'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 Wasatch Peaks diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +18.64 pp (102.54% vs 83.90%).
- Widest shortfall vs peers is Net Worth Ratio: -0.78 pp (10.40% 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 Wasatch Peaks sits in Utah
- Utah health ordinal: #15 of 53.
- By total assets, Wasatch Peaks is #11 of 53 in Utah.
- Member book place in Utah: #10 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.
Quarter path for Wasatch Peaks
Wasatch Peaks: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.1% from $632.1M (2025Q4) to $658.2M (2026Q1).
- Net-worth ratio shifted -0.20 pp (10.60% → 10.40%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.40%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.8 pts
- Loan-to-Share Ratio 9.2 pts
Wasatch Peaks vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.40% | -0.78 pp |
| Delinquency Rate | 0.27% | -0.60 pp |
| Return on Assets | 0.69% | +0.19 pp |
| Member Growth | 2.29% | - |
| Loan-to-Share Ratio | 102.54% | +18.64 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).
Wasatch Peaks quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $658.2M | - |
| 2025Q4 | $632.1M | 31,776 |
| 2024Q4 | $589.0M | 31,064 |
| 2023Q4 | $589.7M | 31,490 |
Credit Union Details
- Charter Number
- 24780
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Utah
- City
- OGDEN
- Data Quarter
- 2025Q4
Branch Locations (6)
Wasatch Peaks operates 6 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Headquarters (Main Office) | Ogden, UT |
| West Haven | Ogden, UT |
| Pleasant View Branch | Ogden, UT |
| 10th Street Branch | Ogden, UT |
| Plain City Branch | Plain City, UT |
| Roy Branch | Roy, 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.
Wasatch Peaks nationwide neighbourhoods
Cross-state asset and health neighbours for Wasatch Peaks - kept outside Utah; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($632.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Wasatch Peaks ranks #981 of 4,374 nationally on financial health and #15 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GRANITE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GRANITE
- 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 Wasatch Peaks financially healthy?
A 10.40% net worth ratio and a 0.27% delinquency rate feed into Wasatch Peaks's financial health score of 91/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #981 of 4,374; by total assets it ranks #661 of 4,374 nationally (same basis as /rankings/largest); and #11 of 53 within Utah. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Wasatch Peaks compare to other credit unions?
PlainCU's health composite puts Wasatch Peaks at 91/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Wasatch Peaks?
Wasatch Peaks 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 Wasatch Peaks directly for the exact boundaries and application steps.
Is my money safe at Wasatch Peaks?
Federal credit unions like Wasatch Peaks 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. Wasatch Peaks's net worth ratio of 10.40% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Wasatch Peaks offer compared to banks?
Credit unions like Wasatch Peaks 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 Wasatch Peaks 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.