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
Call Report peers
Wasatch Peaks in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Wasatch Peaks sits in 90-94 with 747 others.
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
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%).
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.
- One place up in Utah, P & S (#14) ties at 91/100; one place down, FIREFIGHTERS (#16) ties at 91/100.
Quarter path for Wasatch Peaks
Wasatch Peaks: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.1% from $632.1M (2025Q4) to $658.2M (2026Q1).
- Net-worth ratio shifted -0.20 pp (10.60% → 10.40%).
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
Wasatch Peaks gives up 9 points in total. Loan-to-Share Ratio costs the most, 5.5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Wasatch Peaks financially healthy?
On its 2025Q4 NCUA 5300 filing, Wasatch Peaks scores 91/100 (Excellent), with a 10.40% net worth ratio and 0.27% of loans delinquent. It ranks #981 of 4,374 nationally on health and #15 of 53 in Utah.
How does Wasatch Peaks compare to other credit unions?
Wasatch Peaks scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (102.54% vs 83.90%). Its widest shortfall is net worth ratio (10.40% vs 11.18%).
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?
Wasatch Peaks 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. Wasatch Peaks's net worth ratio of 10.40% 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.