Utah Power Credit Union Salt Lake City, Utah
Utah Power Credit Union is a state-chartered credit union headquartered in Salt Lake City, UT, established in 1935 (NCUA charter 67132), and it is regulated and insured by the NCUA. At Q2 2026 it reported 31,115 members and total assets of $1.10B (up 7.0% from Q2 2025), the 9th largest of 50 credit unions headquartered in Utah. Its net worth ratio was 13.72% at Q2 2026, in the well capitalized band.
Also written as Utah Power 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
- 67132
- Headquarters
- Salt Lake City, UT
- Established
- 1935
- Total assets, Q2 2026
- $1.10B
- Assets vs Q2 2025
- +7.0%
- Members, Q2 2026
- 31,115
- Net worth ratio, Q2 2026
- 13.72%
- Latest call report
- Q2 2026, NCUA 5300 · Utah Power Credit Union call report
- Asset rank in state
- 9th of 50 in Utah
- Routing number
- 324079539
- Branches
- 8
It has 269 more members than on June 30, 2025 (+0.9%). Its net worth ratio was up 0.24 percentage points from 13.48% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $382.9M of $555.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.27% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 13.72% net worth ratio is above that band's 10.89% median.
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Credit unions merged into Utah Power Credit Union
Frequently asked about Utah Power Credit Union
How big is Utah Power Credit Union?
At Q2 2026 it reported total assets of $1.10B and 31,115 members.
Where is Utah Power Credit Union headquartered?
It is headquartered in Salt Lake City, UT, United States.
When was Utah Power Credit Union founded?
It was established in 1935, per NCUA records.
Is Utah Power Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67132): 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 Utah Power 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 Utah Power Credit Union well capitalized?
Its net worth ratio was 13.72% 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 Utah Power Credit Union's delinquency ratio?
Its delinquency ratio was 0.27% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Utah Power Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 57.98% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Salt Lake City, UT 84121
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1935
- NCUA Charter #
- 67132
- RSSD ID
- 513199
- Members
- 31,115
- Potential members
- 39,818
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 5 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 13.72% | 10.89% | 84th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.52% | 0.89% | 85th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 11.06% | 8.07% | 76th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 2.15% | 3.45% | under 10th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 40.85% | 70.59% | over 90th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.30% | 1.68% | 12th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.27% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.46% | 5.12% | 13th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 57.98% | 88.03% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.10B total assets against $1.03B; $957.9M total shares and deposits against $897.3M; $555.4M total loans against $488.8M.
$151.2M net worth against $138.8M.
13.72% net worth ratio against 13.48%.
57.98% loan-to-share ratio against 54.47%.
0.27% delinquency ratio against 0.38%.
1.52% return on assets against 0.85%; 11.06% return on equity against 6.30%.
2.15% net interest margin against 1.60%.
31,115 members against 30,846.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.72% | 1.52% | 0.27% | 57.98% |
| March 31, 2026 | 13.48% | 1.25% | 0.33% | 55.67% |
| December 31, 2025 | 13.59% | 1.08% | 0.34% | 56.52% |
| September 30, 2025 | 13.53% | 0.76% | 0.28% | 55.84% |
| June 30, 2025 | 13.48% | 0.85% | 0.38% | 54.47% |
| March 31, 2025 | 13.36% | 0.51% | 0.16% | 52.58% |
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.