Cyprus Federal Credit Union
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Data as of · sourced from NCUA 5300 call reports. How we update
Cyprus Federal Credit Union is a federal credit union headquartered in West Jordan, UT, established in 1935 (NCUA charter 24688), and it is regulated and insured by the NCUA. At Q2 2026 it reported 163,815 members and total assets of $2.08B (up 10.7% from Q2 2025), the 6th largest of 50 credit unions headquartered in Utah. Its net worth ratio was 12.42% at Q2 2026, in the well capitalized band (NCUA's well capitalized line is 7%).
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24688
- Headquarters
- West Jordan, UT
- Established
- 1935
- Total assets, Q2 2026
- $2.08B
- Assets vs Q2 2025
- +10.7%
- Members, Q2 2026
- 163,815
- Net worth ratio, Q2 2026
- 12.42%
- Asset rank in state
- 6th of 50 in Utah
It has 18,632 more members than on June 30, 2025 (+12.8%). Its net worth ratio was up 0.79 percentage points from 11.63% on June 30, 2025.
Credit unions similar in size in Utah
Frequently asked about Cyprus Federal Credit Union
How big is Cyprus Federal Credit Union?
It reported approximately $2.08B in total assets and 163,815 members as of Q2 2026.
Is Cyprus Federal Credit Union well capitalized?
Its net worth ratio was 12.42%. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
Credit Union Profile
- Headquarters
- West Jordan, UT 84084
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1935
- NCUA Charter #
- 24688
- RSSD ID
- 347590
- Members
- 163,815
- Potential members
- 3,538,904
Size & Membership
Profitability
Q2 annualizedROA, ROE and net interest margin are the quarter's own income, annualized. NCUA's Financial Performance Report annualizes the year to date instead, so after the first quarter its figures differ from ours. Where the 5300 for this quarter and the prior year-end is served, the year-to-date value on NCUA's basis is shown beside each as YTD, over the average of this quarter's and the prior year-end balances. NCUA publishes no ROE; ours uses the same year-to-date basis over average net worth.
Capital & Asset Quality
Net worth category is computed by BankRegReports from the net worth ratio, using NCUA's 7, 6, 4 and 2 percent thresholds. It is not NCUA's determination, which can differ.
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures. Rank is the estimated share of peers this credit union outperforms; the tag compares it with the median peer. Percentiles are interpolated from the peer group's 10th, 25th, 50th, 75th and 90th percentile values.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 12.42% | 10.89% | 72nd above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.10% | 0.89% | 65th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 8.86% | 8.07% | 57th above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.11% | 3.45% | 87th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 69.08% | 70.59% | 55th above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.80% | 1.68% | 41st below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.41% | 0.68% | 80th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.90% | 5.12% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 104.08% | 88.03% | over 90th position only |
Quarterly trends
Last 6 quarters from this credit union's own NCUA 5300 call reports. Balances are as of each quarter end; ratios are annualized.
Balances at each quarter end. Shares are the credit-union term for member deposits.
Balances at each quarter end. Net worth is the credit-union equivalent of equity capital.
Net worth over total assets. NCUA calls a credit union well capitalized at 7% and undercapitalized below 6%.
Loans over shares and deposits: how much of member money is lent out rather than invested or held in cash.
Loans 60 or more days past due as a share of total loans.
Annualized, so each point is a rate rather than a running total.
Annualized. Interest income less interest expense, over average earning assets.
Reported member count at each quarter end.
Quarterly trend: last 6 quarters
Quarter-over-quarter movement in the four ratios NCUA watches most, from the credit union's own NCUA 5300 call report filings.
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.42% | 1.10% | 0.41% | 104.08% |
| March 31, 2026 | 12.33% | 0.21% | 0.44% | 103.19% |
| December 31, 2025 | 11.91% | 1.20% | 0.47% | 105.22% |
| September 30, 2025 | 11.75% | 0.99% | 0.31% | 106.07% |
| June 30, 2025 | 11.63% | 0.70% | 0.26% | 104.65% |
| March 31, 2025 | 11.77% | 0.46% | 0.32% | 103.02% |
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Watch flags
Automated conditions triggered on this credit union's latest NCUA 5300 filing. Advisory only, not a prediction. Each flag is tagged Regulatory when it cites an official NCUA threshold, or BRR analysis when it's our own band.
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
Source: NCUA 5300 Call Report, standardized by BankRegReports. Credit unions are insured by the National Credit Union Share Insurance Fund (NCUSIF), not the FDIC. See how often this data updates or learn more about our data.