Credit Union Safety Analysis
Is Phillips-Wasatch Credit Union Safe? Centerville, Utah
Based on its Q2 2026 NCUA 5300 call report, Phillips-Wasatch Credit Union has a net worth ratio of 32.09%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.50%, 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, Phillips-Wasatch Credit Union's net worth ratio is 32.09%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 32.09%
- Delinquency ratio (60+ days) (Q2 2026): 1.50%
- Return on assets (Q2 2026): 0.57%
- Loan-to-share ratio (Q2 2026): 112.31%
Phillips-Wasatch Credit Union (NCUA charter 67078, established 1940) reported $6.0M in assets and 679 members for Q2 2026 from Centerville, Utah. It ranks 42 of 50 credit unions in Utah by total assets. Total assets were about level with $6.0M on June 30, 2025. It has 68 fewer members than on June 30, 2025 (-9.1%). Its net worth ratio was up 0.92 percentage points from 31.17% on June 30, 2025. Used vehicle loans are its largest loan category, $3.3M of $4.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.50% 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: 32.18% for Q1 2026; 31.17% 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: 1.69% for Q1 2026 .
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: 0.93% for Q1 2026; 0.96% 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: 114.67% for Q1 2026; 117.64% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $3.3M
- Other secured non-real estate loans and lines of credit: $611K
- New vehicle loans: $428K
- Other unsecured loans and lines of credit: $257K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $6.0M | 32.09% | 1.50% | 0.57% | 112.31% |
| March 31, 2026 | $6.0M | 32.18% | 1.69% | 0.93% | 114.67% |
| December 31, 2025 | $5.9M | 32.33% | 1.48% | 0.46% | 118.63% |
| September 30, 2025 | $6.0M | 31.65% | 2.03% | 1.60% | 114.92% |
| June 30, 2025 | $6.0M | 31.17% | — | 0.96% | 117.64% |
| March 31, 2025 | $5.7M | 32.57% | 0.46% | 1.82% | 124.70% |
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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.
Phillips-Wasatch Credit Union profile
Regulator records: NCUA credit union profile (charter 67078) · FFIEC NIC profile (RSSD 395498)
Frequently asked questions
Is Phillips-Wasatch Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Phillips-Wasatch Credit Union's net worth ratio is 32.09%, above the 7% NCUA threshold for well capitalized.
Is Phillips-Wasatch Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Phillips-Wasatch Credit Union is a federally insured credit union (NCUA charter 67078): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Phillips-Wasatch Credit Union's key safety ratios?
For Q2 2026, Phillips-Wasatch Credit Union reports net worth 32.09%, delinquency 1.50%, ROA 0.57%, loan-to-share 112.31%.
What happens to my money if Phillips-Wasatch Credit Union fails?
For Q2 2026, Phillips-Wasatch Credit Union held $4.1M in shares and deposits for 679 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.