Elevate Federal Credit Union Brigham City, Utah
Elevate Federal Credit Union is a federal credit union headquartered in Brigham City, UT, established in 1954 (NCUA charter 9163), and it is regulated and insured by the NCUA. At Q2 2026 it reported 15,277 members and total assets of $260.3M (up 5.9% from Q2 2025), the 15th largest of 50 credit unions headquartered in Utah. Its net worth ratio was 20.93% at Q2 2026, in the well capitalized band.
Also written as Elevate FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 9163
- Headquarters
- Brigham City, UT
- Established
- 1954
- Total assets, Q2 2026
- $260.3M
- Assets vs Q2 2025
- +5.9%
- Members, Q2 2026
- 15,277
- Net worth ratio, Q2 2026
- 20.93%
- Latest call report
- Q2 2026, NCUA 5300 · Elevate Federal Credit Union call report
- Asset rank in state
- 15th of 50 in Utah
- Routing number
- 324376818
- Branches
- 3
It has 188 more members than on June 30, 2025 (+1.2%). Its net worth ratio was up 0.65 percentage points from 20.28% on June 30, 2025. Commercial loans are its largest loan category, $61.5M of $157.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.24% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 20.93% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Utah
Frequently asked about Elevate Federal Credit Union
How big is Elevate Federal Credit Union?
At Q2 2026 it reported total assets of $260.3M and 15,277 members.
Where is Elevate Federal Credit Union headquartered?
It is headquartered in Brigham City, UT, United States.
When was Elevate Federal Credit Union founded?
It was established in 1954, per NCUA records.
Is Elevate Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 9163): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Elevate Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Elevate Federal Credit Union well capitalized?
Its net worth ratio was 20.93% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Elevate Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.24% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Elevate Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 76.92% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Brigham City, UT 84302
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 9163
- RSSD ID
- 282084
- Members
- 15,277
- Potential members
- 194,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 5 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 20.93% | 11.43% | over 90th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 2.10% | 0.81% | over 90th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 10.02% | 7.02% | 76th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.61% | 3.70% | 44th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 49.17% | 76.55% | over 90th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.69% | 1.24% | 19th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.24% | 0.68% | 87th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.30% | 4.92% | 71st position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 76.92% | 75.66% | 53rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$260.3M total assets against $245.9M; $205.0M total shares and deposits against $195.3M; $157.7M total loans against $146.3M.
$54.5M net worth against $49.9M.
20.93% net worth ratio against 20.28%.
76.92% loan-to-share ratio against 74.93%.
0.24% delinquency ratio against 0.20%.
2.10% return on assets against 1.81%; 10.02% return on equity against 8.92%.
3.61% net interest margin against 3.19%.
15,277 members against 15,089.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 20.93% | 2.10% | 0.24% | 76.92% |
| March 31, 2026 | 20.43% | 1.56% | 0.12% | 77.10% |
| December 31, 2025 | 20.89% | 1.69% | 0.21% | 81.49% |
| September 30, 2025 | 20.55% | 1.96% | 0.12% | 78.71% |
| June 30, 2025 | 20.28% | 1.81% | 0.20% | 74.93% |
| March 31, 2025 | 19.87% | 1.40% | 0.26% | 72.30% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.