Credit Union Safety Analysis
Is Utah Power Credit Union Safe? Salt Lake City, Utah
Based on its Q2 2026 NCUA 5300 call report, Utah Power Credit Union has a net worth ratio of 13.72%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.27%, 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 Power Credit Union's net worth ratio is 13.72%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.72%
- Delinquency ratio (60+ days) (Q2 2026): 0.27%
- Return on assets (Q2 2026): 1.52%
- Loan-to-share ratio (Q2 2026): 57.98%
Utah Power Credit Union (NCUA charter 67132, established 1935) reported $1.10B in assets and 31,115 members for Q2 2026 from Salt Lake City, Utah. It ranks 9 of 50 credit unions in Utah by total assets. Total assets grew 7.0% from $1.03B on June 30, 2025. 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.
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: 13.48% for Q1 2026; 13.48% 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: 0.33% for Q1 2026; 0.38% 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: 1.25% for Q1 2026; 0.85% 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: 55.67% for Q1 2026; 54.47% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $382.9M
- Used vehicle loans: $102.0M
- Other secured non-real estate loans and lines of credit: $34.3M
- New vehicle loans: $18.4M
- Unsecured credit card loans: $11.9M
- Other unsecured loans and lines of credit: $5.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.10B | 13.72% | 0.27% | 1.52% | 57.98% |
| March 31, 2026 | $1.09B | 13.48% | 0.33% | 1.25% | 55.67% |
| December 31, 2025 | $1.06B | 13.59% | 0.34% | 1.08% | 56.52% |
| September 30, 2025 | $1.04B | 13.53% | 0.28% | 0.76% | 55.84% |
| June 30, 2025 | $1.03B | 13.48% | 0.38% | 0.85% | 54.47% |
| March 31, 2025 | $1.02B | 13.36% | 0.16% | 0.51% | 52.58% |
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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 Power Credit Union profile
Regulator records: NCUA credit union profile (charter 67132) · FFIEC NIC profile (RSSD 513199)
Frequently asked questions
Is Utah Power Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Utah Power Credit Union's net worth ratio is 13.72%, above the 7% NCUA threshold for well capitalized.
Is Utah Power Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Utah Power Credit Union is a federally insured credit union (NCUA charter 67132): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Utah Power Credit Union's key safety ratios?
For Q2 2026, Utah Power Credit Union reports net worth 13.72%, delinquency 0.27%, ROA 1.52%, loan-to-share 57.98%.
What happens to my money if Utah Power Credit Union fails?
For Q2 2026, Utah Power Credit Union held $957.9M in shares and deposits for 31,115 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.