Goldenwest Federal Credit Union Washington Terrace, Utah
Goldenwest Federal Credit Union is a federal credit union headquartered in Washington Terrace, UT, established in 1936 (NCUA charter 24693), and it is regulated and insured by the NCUA. At Q2 2026 it reported 221,793 members and total assets of $4.33B (up 15.7% from Q2 2025), the 3rd largest of 50 credit unions headquartered in Utah. Its net worth ratio was 13.20% at Q2 2026, in the well capitalized band.
Also written as Goldenwest FCU · Trade names filed with the NCUA: USUCU Div of Goldenwest FCU, Goldenwest Financial Services and HealthCare CU a Co of Goldenwest
BankRegReports is independent of Goldenwest Federal Credit Union and never asks for online banking logins or passwords.
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
- 24693
- Headquarters
- Washington Terrace, UT
- Established
- 1936
- Total assets, Q2 2026
- $4.33B
- Assets vs Q2 2025
- +15.7%
- Members, Q2 2026
- 221,793
- Net worth ratio, Q2 2026
- 13.20%
- Latest call report
- Q2 2026, NCUA 5300 · Goldenwest Federal Credit Union call report
- Asset rank in state
- 3rd of 50 in Utah
- Routing number
- 324377613
- Branches
- 56
It has 18,992 more members than on June 30, 2025 (+9.4%). Its net worth ratio was up 0.18 percentage points from 13.02% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.34B of $3.50B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.47% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 13.20% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Utah
Credit unions merged into Goldenwest Federal Credit Union
Ascent Federal Credit Union (2026) · Health Care Credit Union (2017) · Usu Charter Federal Credit Union (2013)
Frequently asked about Goldenwest Federal Credit Union
How big is Goldenwest Federal Credit Union?
At Q2 2026 it reported total assets of $4.33B and 221,793 members.
Where is Goldenwest Federal Credit Union headquartered?
It is headquartered in Washington Terrace, UT, United States.
When was Goldenwest Federal Credit Union founded?
It was established in 1936, per NCUA records.
Is Goldenwest Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24693): 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 Goldenwest Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Goldenwest Federal Credit Union well capitalized?
Its net worth ratio was 13.20% 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 Goldenwest Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.47% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Goldenwest Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 94.85% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Washington Terrace, UT 84405
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1936
- NCUA Charter #
- 24693
- RSSD ID
- 656694
- Members
- 221,793
- Potential members
- 3,731,801
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
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 4 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 12.63% | 13.20% | 10.89% | 79th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.67% | 0.89% | over 90th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 12.65% | 8.07% | 85th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.62% | 3.45% | 62nd above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 62.78% | 70.59% | 76th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.19% | 1.68% | 17th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.47% | 0.68% | 73rd above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.81% | 5.12% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 94.85% | 88.03% | 74th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.33B total assets against $3.74B; $3.69B total shares and deposits against $3.20B; $3.50B total loans against $3.06B.
$571.9M net worth against $487.5M.
13.20% net worth ratio against 13.02%.
94.85% loan-to-share ratio against 95.75%.
0.47% delinquency ratio against 0.31%.
1.67% return on assets against 1.72%; 12.65% return on equity against 13.20%.
3.62% net interest margin against 3.51%.
221,793 members against 202,801.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.20% | 1.67% | 0.47% | 94.85% |
| March 31, 2026 | 13.16% | 1.56% | 0.41% | 93.95% |
| December 31, 2025 | 13.22% | 1.89% | 0.35% | 97.49% |
| September 30, 2025 | 13.03% | 1.70% | 0.33% | 96.65% |
| June 30, 2025 | 13.02% | 1.72% | 0.31% | 95.75% |
| March 31, 2025 | 12.80% | 1.52% | 0.34% | 91.67% |
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.