Credit Union Safety Analysis
Is South Sanpete Credit Union Safe? Manti, Utah
Based on its Q2 2026 NCUA 5300 call report, South Sanpete Credit Union has a net worth ratio of 12.93%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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, South Sanpete Credit Union's net worth ratio is 12.93%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.93%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 0.68%
- Loan-to-share ratio (Q2 2026): 58.10%
South Sanpete Credit Union (NCUA charter 67130, established 1956) reported $1.1M in assets and 197 members for Q2 2026 from Manti, Utah. It ranks 47 of 50 credit unions in Utah by total assets. Total assets grew 6.4% from $1.0M on June 30, 2025. It has 2 more members than on June 30, 2025 (+1.0%). Its net worth ratio was down 0.08 percentage points from 13.01% on June 30, 2025. Used vehicle loans are its largest loan category, $454K of $544K in total loans on its June 30, 2026 filing.
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: 11.81% for Q1 2026; 13.01% 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%.
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: 0.53% for Q1 2026; 0.93% 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: 56.39% for Q1 2026; 72.76% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $454K
- New vehicle loans: $73K
- Other unsecured loans and lines of credit: $16K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.1M | 12.93% | — | 0.68% | 58.10% |
| March 31, 2026 | $1.2M | 11.81% | — | 0.53% | 56.39% |
| December 31, 2025 | $1.1M | 12.75% | — | 0.86% | 66.31% |
| September 30, 2025 | $1.0M | 12.92% | — | 0.70% | 67.96% |
| June 30, 2025 | $1.0M | 13.01% | — | 0.93% | 72.76% |
| March 31, 2025 | $1.1M | 12.02% | — | 0.45% | 67.52% |
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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.
South Sanpete Credit Union profile
Regulator records: NCUA credit union profile (charter 67130) · FFIEC NIC profile (RSSD 276494)
Frequently asked questions
Is South Sanpete Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, South Sanpete Credit Union's net worth ratio is 12.93%, above the 7% NCUA threshold for well capitalized.
Is South Sanpete Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. South Sanpete Credit Union is a federally insured credit union (NCUA charter 67130): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are South Sanpete Credit Union's key safety ratios?
For Q2 2026, South Sanpete Credit Union reports net worth 12.93%, delinquency not reported, ROA 0.68%, loan-to-share 58.10%.
What happens to my money if South Sanpete Credit Union fails?
For Q2 2026, South Sanpete Credit Union held $935K in shares and deposits for 197 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.