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Utah Credit Union Performance
How the 52 credit unions based in Utah are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Utah's 52 credit unions serve 4,197,640 members and hold $68.22B in combined assets. The median Utah credit union earned a 0.89% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Utah credit unions was -0.22%, compared with -0.55% nationally. Median one-year asset growth was 4.12%, compared with 2.78% nationally. So far this year, one Utah credit union has completed a merger. Figures are from the Q1 2026 NCUA Call Report.
Utah at a glance
Utah vs. the United States
System totals are the sum of every credit union in Utah. The share column is Utah's portion of the national figure.
| Measure | Utah | United States | Utah share |
|---|---|---|---|
| Credit unions | 52 | 4,335 | 1.2% |
| Members | 4,197,640 | 147,031,529 | 2.9% |
| Residents (population) | 3,503,613 | 340,110,988 | 1.0% |
| Total assets | $68.22B | $2,507.50B | 2.7% |
| Total loans | $51.26B | $1,744.86B | 2.9% |
| Total shares & deposits | $59.70B | $2,143.21B | 2.8% |
| Total net worth | $7.24B | $282.23B | 2.6% |
| Mergers year-to-date | 1 | 27 | — |
Membership reach. Utah credit unions report about 120 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Utah credit unions serve members in other states, so it overstates true in-state penetration.)
The median Utah credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Utah CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.89% | 0.66% |
| Net worth ratio | 12.11% | 12.44% |
| Loan-to-share ratio | 78.11% | 67.86% |
| Delinquency ratio | 0.44% | 0.63% |
| Net charge-off ratio | 0.25% | 0.33% |
| Cost of funds | 1.72% | 1.05% |
| Member growth (1 yr) | -0.22% | -0.55% |
| Asset growth (1 yr) | 4.12% | 2.78% |
| Loan growth (1 yr) | -0.17% | 0.63% |
| Share growth (1 yr) | 4.40% | 2.36% |
| Net worth growth (1 yr) | 5.49% | 5.57% |
Trends over time
The median Utah credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.82% · 0.72%
— Utah ‑‑ U.S. (1 year not shown)
Net worth ratio 12.04% · 12.46%
— Utah ‑‑ U.S.
Loan-to-share ratio 81.49% · 69.70%
— Utah ‑‑ U.S.
Delinquency ratio 0.62% · 0.72%
— Utah ‑‑ U.S.
Asset growth (1 yr) 4.36% · 3.26%
— Utah ‑‑ U.S. (1 year not shown)
Member growth (1 yr) -0.31% · -0.52%
— Utah ‑‑ U.S. (1 year not shown)
Utah leaderboards
Largest by assets
- 1 America First Credit Union $24.73B
- 2 Mountain America Credit Union $22.66B
- 3 Goldenwest Credit Union $4.09B
- 4 Utah Community Credit Union $3.86B
- 5 University Credit Union $2.14B
- 6 Cyprus Credit Union $2.07B
- 7 Deseret First Credit Union $1.26B
- 8 Utah First Credit Union $1.16B
- 9 Utah Power & Light Emp. Credit Union $1.09B
- 10 Granite Credit Union $917.0M
Highest return on assets
- 1 Members First Credit Union 1.97%
- 2 Kings Peak Credit Union 1.72%
- 3 Goldenwest Credit Union 1.64%
- 4 Box Elder County Credit Union 1.61%
- 5 Moroni Feed Credit Union 1.58%
- 6 America First Credit Union 1.46%
- 7 Utah Power & Light Emp. Credit Union 1.29%
- 8 Pacific Pipe Credit Union 1.09%
- 9 Utah First Credit Union 1.05%
- 10 Utah Community Credit Union 1.05%
Fastest-growing (organic)
- 1 Kings Peak Credit Union 14.42%
- 2 Carbon Credit Union 11.19%
- 3 America First Credit Union 9.53%
- 4 Wasatch Peaks Credit Union 8.38%
- 5 Utah Community Credit Union 8.21%
- 6 Jordan Credit Union 7.86%
- 7 Utah First Credit Union 7.59%
- 8 Members First Credit Union 7.53%
- 9 Firefighters Credit Union 7.33%
- 10 Mountain America Credit Union 6.71%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
The small credit unions in Utah
42 at the end of 2016, 24 at the end of 2025.
Median net worth ratio 18.16% against 10.29% for credit unions at or above the line. Median one-year member growth -2.16% against 1.33%.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Utah that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.