TellerScore

C U P Federal Credit Union is a federal credit union headquartered in Provo, Utah, in business for about 66 years. At the end of Q2 2026 it reported $10.3M in total assets and $9.2M in member shares and deposits, with 3 offices across 2 states.

Based on its Q2 2026 filing, C U P Federal Credit Union scores 70/100, which we describe as strong. That is higher than only 40% of 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Utah, it ranks 29th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (26/100; 0.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Net worth ratio: 11.11%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings26/100
Return on assets (annualized): 0.16%
Funding & liquidity76/100
Loans ÷ shares: 83.8% · 3.4% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (74 → 70), mostly because the earnings component weakened by 14 points.

TellerScore
707375Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202471
Q4 202475
Q1 202574
Q2 202574
Q3 202574
Q4 202574
Q1 202671
Q2 202670
Net worth ratio
7.00%9.61%12.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.14%
Q3 202412.01%
Q4 202412.22%
Q1 202511.82%
Q2 202511.78%
Q3 202511.72%
Q4 202511.57%
Q1 202611.38%
Q2 202611.11%
Delinquent loans (60+ days)
0.00%0.02%0.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.04%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.14%0.36%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.18%
Q3 20240.14%
Q4 20240.46%
Q1 20250.32%
Q2 20250.50%
Q3 20250.54%
Q4 20250.59%
Q1 20260.14%
Q2 20260.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$10.3M11.11%0.00%0.16%83.8%
Q1 202671$10.0M11.38%0.00%0.14%84.9%
Q4 202574$9.9M11.57%0.00%0.59%87.7%
Q3 202574$9.6M11.72%0.00%0.54%89.9%
Q2 202574$9.4M11.78%0.00%0.50%87.8%
Q1 202574$9.2M11.82%0.00%0.32%82.2%
Q4 202475$8.9M12.22%0.00%0.46%89.7%
Q3 202471$8.8M12.01%0.04%0.14%90.2%
Q2 202472$8.6M12.14%0.00%0.18%93.8%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.11%
25th
Problem loans0.00%
94th
Net charge-offs-0.02%
88th
Return on assets0.16%
26th
Loans to deposits83.8%
15th
Uninsured deposits3.4%
32nd
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

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InstitutionScoreAssetsCapitalProblem loansCompare
S E a Credit UnionCredit union Richfield, UT87 out of 100, Very strong$7.4M19.1%0.00%vs
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Hollyfrontier Employee'S Credit UnionCredit union Bountiful, UT69 out of 100, Moderate$6.0M32.1%1.50%vs
Varex Federal Credit UnionCredit union Salt Lake City, UT85 out of 100, Very strong$16.5M19.1%0.07%vs
Uintah Credit UnionCredit union Vernal, UT100 out of 100, Very strong$3.9M21.3%0.00%vs
Orem City Employees Federal Credit UnionCredit union Orem, UT82 out of 100, Strong$2.7M14.3%0.13%vs

Deposit insurance

Is my money safe at C U P Federal Credit Union?

Yes. C U P Federal Credit Union is a federally insured credit union (NCUA charter #13833). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.4% of shares and deposits ($318K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.11%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

C U P Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
C U P Federal Credit Union
Type
Federal credit union
NCUA charter #
13833
RSSD ID
497981
Primary regulator
NCUA
Established
1960
Headquarters
P O Box 50526, Provo, UT 84605
Employees
3

Quick answers

C U P Federal Credit Union: common questions

Is C U P Federal Credit Union NCUA insured?

Yes. C U P Federal Credit Union is a federally insured credit union (NCUA charter #13833). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is C U P Federal Credit Union's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does C U P Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Provo

InstitutionScoreAssetsCapitalProblem loansCompare
Central BankBank Provo, UT89 out of 100, Very strong$2.2B15.4%0.47%vs
Orem City Employees Federal Credit UnionCredit union Orem, UT82 out of 100, Strong$2.7M14.3%0.13%vs
Grand Valley BankBank Heber City, UT82 out of 100, Strong$599.4M11.5%0.02%vs
Goldenwest Federal Credit UnionCredit union Ogden, UT81 out of 100, Strong$4.3B13.2%0.47%vs
Happen Bank, National AssociationBank Lehi, UT79 out of 100, Strong$12.5B11.0%0.82%vs
Freedom Credit UnionCredit union Provo, UT77 out of 100, Strong$70.0M11.7%0.24%vs