Credit Union Safety Analysis
Is Utah Heritage Credit Union Safe? Moroni, Utah
Based on its Q2 2026 NCUA 5300 call report, Utah Heritage Credit Union has a net worth ratio of 12.36%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.51%, 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 Heritage Credit Union's net worth ratio is 12.36%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.36%
- Delinquency ratio (60+ days) (Q2 2026): 2.51%
- Return on assets (Q2 2026): 1.80%
- Loan-to-share ratio (Q2 2026): 76.51%
Utah Heritage Credit Union (NCUA charter 67076, established 1969) reported $166.7M in assets and 9,035 members for Q2 2026 from Moroni, Utah. It ranks 20 of 50 credit unions in Utah by total assets. Total assets grew 8.3% from $153.9M on June 30, 2025. It has 99 more members than on June 30, 2025 (+1.1%). Its net worth ratio was up 0.76 percentage points from 11.60% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $70.1M of $110.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.51% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 12.35% for Q1 2026; 11.60% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 2.31% for Q1 2026; 1.77% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.53% for Q1 2026; 1.73% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 79.97% for Q1 2026; 83.78% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $70.1M
- Used vehicle loans: $19.6M
- Other secured non-real estate loans and lines of credit: $8.2M
- New vehicle loans: $5.6M
- Commercial loans: $4.1M
- Unsecured credit card loans: $1.3M
- Other unsecured loans and lines of credit: $1.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $166.7M | 12.36% | 2.51% | 1.80% | 76.51% |
| March 31, 2026 | $160.8M | 12.35% | 2.31% | 1.53% | 79.97% |
| December 31, 2025 | $159.7M | 12.04% | 2.46% | 1.71% | 79.75% |
| September 30, 2025 | $155.5M | 11.94% | 1.95% | 1.80% | 80.11% |
| June 30, 2025 | $153.9M | 11.60% | 1.77% | 1.73% | 83.78% |
| March 31, 2025 | $150.8M | 11.40% | 1.64% | 1.82% | 81.98% |
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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 Heritage Credit Union profile
Regulator records: NCUA credit union profile (charter 67076) · FFIEC NIC profile (RSSD 339193)
Frequently asked questions
Is Utah Heritage Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Utah Heritage Credit Union's net worth ratio is 12.36%, above the 7% NCUA threshold for well capitalized.
Is Utah Heritage Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Utah Heritage Credit Union is a federally insured credit union (NCUA charter 67076): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Utah Heritage Credit Union's key safety ratios?
For Q2 2026, Utah Heritage Credit Union reports net worth 12.36%, delinquency 2.51%, ROA 1.80%, loan-to-share 76.51%.
What happens to my money if Utah Heritage Credit Union fails?
For Q2 2026, Utah Heritage Credit Union held $144.0M in shares and deposits for 9,035 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.