State overview · Q4 2025

Utah Credit Unions

All 53 federally-insured credit unions in Utah, ranked by financial health, from NCUA 5300 Call Reports.

53
Credit unions
4.2M
Members
$66.0B
Combined assets
83/100
Avg health
53 CUs · avg health 83/100

Utah has 53 federally insured credit unions averaging 83/100 health on NCUA 5300 Call Report aggregates. Combined assets $66.0B; 34 score Excellent (80+). State leader: FREEDOM at 100/100.

  • Mean delinquency rank #17 of 52 (lower DQ better)
  • Mean ROA rank #15 of 52
  • Data vintage 2026-09-06

Utah vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

53 30th of 54 higher than 23 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How Utah's 53 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)34 CUsGood (60–79)17 CUsFair (40–59)2 CUsWeak (<40)0 CUs

Utah Call Report quality, low mean delinquency cohort

Mean NCUA 5300 ratios across 53 federally insured credit unions in Utah, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
0.97%
National rank #17 of 52 · lower DQ better
Mean ROA
0.71%
National rank #15 of 52
Mean loan-to-share
76.7%
Mean net worth 16.1% · well-capitalized (≥7%) 100.0%
Largest CU share of state assets
36.0%
Tilted book, largest charter holds 25–50% of combined Utah CU assets · concentration rank #39 of 52 (lower share = more dispersed) · largest by assets on this board: America First

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). Utah is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

Utah vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Utah highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18%20% 0.5%1%1.5%2%2.5%3% Net worth ratio Delinquency rate Utah vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%ID - 11.55%, 0.89%IN - 14.73%, 1.306%IA - 15.09%, 1.429%KY - 14.12%, 1.121%ME - 11.58%, 0.818%MA - 14.25%, 0.901%MI - 12.62%, 0.909%MS - 17.86%, 2.688%MT - 12.19%, 0.9%NV - 12.18%, 0.832%NH - 11.15%, 0.746%NM - 14.09%, 1.009%NC - 14.51%, 2.08%OH - 13.65%, 1.573%OK - 13.44%, 1.238%PA - 15.31%, 1.273%SC - 14.68%, 1.029%TN - 15.99%, 1.081%TX - 15.62%, 1.279%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%UT - 16.09%, 0.974%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Utah highlighted.

All Credit Unions in Utah

Credit Union Health
FREEDOM Provo 100
C U P Provo 99
Utah Community Provo 99
S E a Richfield 98
ELEVATE Brigham City 97
GOLDENWEST Ogden 97
South Sanpete Manti 96
CYPRUS West Jordan 94
North Sanpete Fairview 94
Utah First Salt Lake City 94
Deseret First West Valley Cit 93
GRANITE Salt Lake City 93
Eastern Utah Community Price 91
Education 1st Ogden 91
FIREFIGHTERS Draper 91
P & S Salt Lake City 91
Wasatch Peaks OGDEN 91
America First RIVERDALE 90
Millard County FILLMORE 89
Mountain America SANDY 89
NEBO Springville 89
Utah Power Murray 89
Members First Brigham City 88
ALPINE Orem 87
Presto Lewiston Employees Lewiston 87
UINTAH VERNAL 87
Desert Rivers Moab 86
Nephi Western Employees Nephi 86
Devils Slide Morgan 84
JORDAN South Jordan 84
VAREX SALT LAKE CITY 84
Orem City Employees OREM 83
Kings Peak Roosevelt 81
Beckstrand and Associates Salt Lake City 80 †
Gibbons and Reed Employees SALT LAKE CITY 79
DESERTVIEW Huntington 78
Hercules First SALT LAKE CITY 78
Lu 354 I B E W SALT LAKE CITY 77
RIDGELINE SALT LAKE CITY 77
Valley Wide Vernal 77
Canyon View Salt Lake City 76
Utah Heritage Moroni 76
ASCENT OGDEN 74
San Juan BLANDING 74
National J. a. C. L. Salt Lake City 72
Horizon Utah Farmington 70
New Heights LOGAN 67
HI-LAND SALT LAKE CITY 66
Logan Medical LOGAN 66
Hollyfrontier Employee's Bountiful 65
American United West Jordan 63
Pacific Horizon Springville 58
FLEXPAK Woods Cross 50

† Score computed from fewer than five NCUA-reported metrics for this credit union (one or more figures unavailable this quarter); the remaining pillar weights are renormalized so the composite stays on the same 0-100 scale. See methodology.

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

What This Data Says About Credit Unions in Utah

Utah is home to 53 federally-insured credit unions collectively serving 4.2M members with $66.0B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 83/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. FREEDOM of Provo currently leads the cohort with a health score of 100/100, while the full distribution spans 53 institutions ranked below.

The health distribution breaks into four bands: 34 credit unions score 80–100 (Excellent), 17 score 60–79 (Good), 2 score 40–59 (Fair), and 0 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A small number of institutions above (marked †) are missing one or more of these inputs this quarter; their composite is renormalized over the pillars actually reported, on the same 0–100 scale. A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Utah's 53 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for Utah: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($66.0B here).

Wisconsin $73.4B Massachusetts $56.8B Illinois $75.8B Pennsylvania $81.7B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (53 here).

Oklahoma 53 CUs Kentucky 54 CUs Mississippi 55 CUs Nebraska 50 CUs

Frequently Asked Questions

How many credit unions are in Utah?

There are 53 federally-insured credit unions in Utah as of Q4 2025, with a combined 4.2M members and $66.0B in total assets. That places Utah at #12 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Utah ranks #19 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Utah?

Based on NCUA Q4 2025 data, FREEDOM in Provo ranks highest in Utah with a health score of 100/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using Utah's data

  • FREEDOM in Provo is the healthiest scored credit union in Utah at 100/100 -- look up its full composite before assuming it fits your situation. View full profile
  • Utah's credit unions rank #17 of 52 nationally on delinquency rate (among the lowest) and #15 of 52 on return on assets (among the strongest) -- both factor into the health score above, but they can move independently. National health rankings
  • Utah ranks #19 of 54 by average health score and #12 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.