Credit Union Safety Analysis
Is Lu 354 I B E W Federal Credit Union Safe? Salt Lake City, Utah
Based on its Q2 2026 NCUA 5300 call report, Lu 354 I B E W Federal Credit Union has a net worth ratio of 16.75%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.77%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Lu 354 I B E W Federal Credit Union's net worth ratio is 16.75%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.75%
- Delinquency ratio (60+ days) (Q2 2026): 2.77%
- Return on assets (Q2 2026): 0.93%
- Loan-to-share ratio (Q2 2026): 87.06%
Lu 354 I B E W Federal Credit Union (NCUA charter 9398, established 1954) reported $39.8M in assets and 2,662 members for Q2 2026 from Salt Lake City, Utah. It ranks 30 of 50 credit unions in Utah by total assets. Total assets fell 6.6% from $42.6M on June 30, 2025. It has 12 fewer members than on June 30, 2025 (-0.4%). Its net worth ratio was up 2.52 percentage points from 14.23% on June 30, 2025. Used vehicle loans are its largest loan category, $12.9M of $28.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.77% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 16.47% for Q1 2026; 14.23% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.52% for Q1 2026; 2.14% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.31% for Q1 2026; 1.09% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 85.02% for Q1 2026; 82.81% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $12.9M
- 1- to 4-family residential and other consumer real estate loans: $8.7M
- Other secured non-real estate loans and lines of credit: $3.6M
- New vehicle loans: $3.0M
- Unsecured credit card loans: $454K
- Other unsecured loans and lines of credit: $206K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $39.8M | 16.75% | 2.77% | 0.93% | 87.06% |
| March 31, 2026 | $39.9M | 16.47% | 1.52% | 1.31% | 85.02% |
| December 31, 2025 | $40.1M | 16.08% | 2.71% | 2.09% | 86.41% |
| September 30, 2025 | $40.8M | 15.29% | 2.46% | 1.73% | 87.76% |
| June 30, 2025 | $42.6M | 14.23% | 2.14% | 1.09% | 82.81% |
| March 31, 2025 | $39.2M | 15.15% | 1.83% | 2.09% | 89.71% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Lu 354 I B E W Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 9398) · FFIEC NIC profile (RSSD 936088)
Frequently asked questions
Is Lu 354 I B E W Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Lu 354 I B E W Federal Credit Union's net worth ratio is 16.75%, above the 7% NCUA threshold for well capitalized.
Is Lu 354 I B E W Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Lu 354 I B E W Federal Credit Union is a federally insured credit union (NCUA charter 9398): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Lu 354 I B E W Federal Credit Union's key safety ratios?
For Q2 2026, Lu 354 I B E W Federal Credit Union reports net worth 16.75%, delinquency 2.77%, ROA 0.93%, loan-to-share 87.06%.
What happens to my money if Lu 354 I B E W Federal Credit Union fails?
For Q2 2026, Lu 354 I B E W Federal Credit Union held $33.2M in shares and deposits for 2,662 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.