Uintah Credit Union Vernal, Utah
Uintah Credit Union is a state-chartered credit union headquartered in Vernal, UT, established in 1955 (NCUA charter 67156), and it is regulated and insured by the NCUA. At Q2 2026 it reported 929 members and total assets of $3.9M (down 12.8% from Q2 2025), the 43rd largest of 50 credit unions headquartered in Utah. Its net worth ratio was 21.26% at Q2 2026, in the well capitalized band.
Also written as Uintah CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67156
- Headquarters
- Vernal, UT
- Established
- 1955
- Total assets, Q2 2026
- $3.9M
- Assets vs Q2 2025
- -12.8%
- Members, Q2 2026
- 929
- Net worth ratio, Q2 2026
- 21.26%
- Latest call report
- Q2 2026, NCUA 5300 · Uintah Credit Union call report
- Asset rank in state
- 43rd of 50 in Utah
- Routing number
- 324379844
- Branches
- 2
It has 5 fewer members than on June 30, 2025 (-0.5%). Its net worth ratio was up 4.29 percentage points from 16.97% on June 30, 2025. Used vehicle loans are its largest loan category, $669K of $1.1M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Utah
Frequently asked about Uintah Credit Union
How big is Uintah Credit Union?
At Q2 2026 it reported total assets of $3.9M and 929 members.
Where is Uintah Credit Union headquartered?
It is headquartered in Vernal, UT, United States.
When was Uintah Credit Union founded?
It was established in 1955, per NCUA records.
Is Uintah Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67156): 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 Uintah Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Uintah Credit Union well capitalized?
Its net worth ratio was 21.26% 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 Uintah Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 37.04% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Vernal, UT 84078
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1955
- NCUA Charter #
- 67156
- RSSD ID
- 461599
- Members
- 929
- Potential members
- 2,500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 6 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: 11.14% to 19.38% | 21.26% | 14.31% | 79th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.72% | 0.72% | 50th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 3.40% | 4.74% | 41st below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.69% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 73.95% | 79.83% | 62nd above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.28% | 0.78% | 81st top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 2.97% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 37.04% | 58.92% | 19th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$3.9M total assets against $4.5M; $3.1M total shares and deposits against $3.7M; $1.1M total loans against $1.0M.
$833K net worth against $762K.
21.26% net worth ratio against 16.97%.
37.04% loan-to-share ratio against 27.74%.
0.72% return on assets against 3.18%; 3.40% return on equity against 18.76%.
2.69% net interest margin against 4.67%.
929 members against 934.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 21.26% | 0.72% | — | 37.04% |
| March 31, 2026 | 20.56% | 3.23% | — | 34.81% |
| December 31, 2025 | 19.84% | 0.68% | — | 33.77% |
| September 30, 2025 | 17.46% | 2.15% | — | 30.53% |
| June 30, 2025 | 16.97% | 3.18% | — | 27.74% |
| March 31, 2025 | 16.27% | 3.07% | — | 30.11% |
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.