Credit Union Safety Analysis
Is Utah First Federal Credit Union Safe? Salt Lake City, Utah
Based on its Q2 2026 NCUA 5300 call report, Utah First Federal Credit Union has a net worth ratio of 10.38%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.13%, 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, Utah First Federal Credit Union's net worth ratio is 10.38%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.38%
- Delinquency ratio (60+ days) (Q2 2026): 0.13%
- Return on assets (Q2 2026): 1.08%
- Loan-to-share ratio (Q2 2026): 104.58%
Utah First Federal Credit Union (NCUA charter 528, established 1935) reported $1.17B in assets and 45,913 members for Q2 2026 from Salt Lake City, Utah. It ranks 8 of 50 credit unions in Utah by total assets. Total assets grew 8.4% from $1.08B on June 30, 2025. It has 2,865 more members than on June 30, 2025 (+6.7%). Its net worth ratio was up 0.29 percentage points from 10.09% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $423.7M of $971.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.13% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.20% for Q1 2026; 10.09% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.17% for Q1 2026; 0.33% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.02% for Q1 2026; 1.10% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 101.09% for Q1 2026; 106.48% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $423.7M
- Commercial loans: $362.8M
- Used vehicle loans: $131.4M
- Unsecured credit card loans: $21.4M
- New vehicle loans: $19.3M
- Other secured non-real estate loans and lines of credit: $8.6M
- Other unsecured loans and lines of credit: $4.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.17B | 10.38% | 0.13% | 1.08% | 104.58% |
| March 31, 2026 | $1.16B | 10.20% | 0.17% | 1.02% | 101.09% |
| December 31, 2025 | $1.13B | 10.22% | 0.27% | 1.24% | 104.08% |
| September 30, 2025 | $1.13B | 9.88% | 0.25% | 1.04% | 101.80% |
| June 30, 2025 | $1.08B | 10.09% | 0.33% | 1.10% | 106.48% |
| March 31, 2025 | $1.08B | 9.82% | 0.35% | 0.81% | 102.33% |
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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.
Utah First Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 528) · FFIEC NIC profile (RSSD 734976)
Frequently asked questions
Is Utah First Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Utah First Federal Credit Union's net worth ratio is 10.38%, above the 7% NCUA threshold for well capitalized.
Is Utah First Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Utah First Federal Credit Union is a federally insured credit union (NCUA charter 528): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Utah First Federal Credit Union's key safety ratios?
For Q2 2026, Utah First Federal Credit Union reports net worth 10.38%, delinquency 0.13%, ROA 1.08%, loan-to-share 104.58%.
What happens to my money if Utah First Federal Credit Union fails?
For Q2 2026, Utah First Federal Credit Union held $929.1M in shares and deposits for 45,913 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.