TellerScore

Cyprus Federal Credit Union is a federal credit union headquartered in West Jordan, Utah, in business for about 91 years. At the end of Q2 2026 it reported $2.1B in total assets and $1.8B in member shares and deposits, with 11 offices.

Based on its Q2 2026 filing, Cyprus Federal Credit Union scores 71/100, which we describe as strong. That is higher than 62% of 454 credit unions with $1 billion – $10 billion. Among 51 credit unions headquartered in Utah, it ranks 25th. Its strongest component is problem-loan coverage (93/100; 3.3%), and its lowest is earnings (46/100; 0.65%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Net worth ratio: 12.42%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.41%
Earnings46/100
Return on assets (annualized): 0.65%
Funding & liquidity56/100
Loans ÷ shares: 104.1% · 9.3% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.32%

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 rose 2 points (69 → 71), mostly because the capital cushion component improved by 8 points.

TellerScore
676971Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202468
Q3 202469
Q4 202469
Q1 202568
Q2 202569
Q3 202570
Q4 202570
Q1 202667
Q2 202671
Net worth ratio
7.00%9.71%12.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202411.74%
Q3 202411.66%
Q4 202411.90%
Q1 202511.77%
Q2 202511.63%
Q3 202511.75%
Q4 202511.91%
Q1 202612.33%
Q2 202612.42%
Delinquent loans (60+ days)
0.26%0.37%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.47%
Q3 20240.41%
Q4 20240.48%
Q1 20250.32%
Q2 20250.26%
Q3 20250.31%
Q4 20250.47%
Q1 20260.44%
Q2 20260.41%
Return on assets
0.21%0.52%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.68%
Q3 20240.75%
Q4 20240.76%
Q1 20250.46%
Q2 20250.58%
Q3 20250.71%
Q4 20250.83%
Q1 20260.21%
Q2 20260.65%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$2.1B12.42%0.41%0.65%104.1%
Q1 202667$2.1B12.33%0.44%0.21%103.2%
Q4 202570$1.9B11.91%0.47%0.83%105.2%
Q3 202570$1.9B11.75%0.31%0.71%106.1%
Q2 202569$1.9B11.63%0.26%0.58%104.7%
Q1 202568$1.8B11.77%0.32%0.46%103.0%
Q4 202469$1.8B11.90%0.48%0.76%108.5%
Q3 202469$1.8B11.66%0.41%0.75%107.6%
Q2 202468$1.8B11.74%0.47%0.68%106.8%

454 peers · $1 billion – $10 billion

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 ratio12.42%
73rd
Problem loans0.41%
79th
Net charge-offs0.70%
31st
Return on assets0.65%
33rd
Loans to deposits104.1%
7th
Uninsured deposits9.3%
50th
Loan-loss reserves0.00%
50th
Texas ratio3.3%
71st

Similar-size credit unions in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
Canyon View Federal Credit UnionCredit union Salt Lake City, UT55 out of 100, Moderate$2.1B9.8%1.36%vs
Deseret First Federal Credit UnionCredit union West Valley Cit, UT60 out of 100, Moderate$1.3B8.6%0.75%vs
Utah First Federal Credit UnionCredit union Salt Lake City, UT71 out of 100, Strong$1.2B10.4%0.13%vs
Utah Power Credit UnionCredit union Murray, UT87 out of 100, Very strong$1.1B13.7%0.27%vs
Utah Community Federal Credit UnionCredit union Provo, UT74 out of 100, Strong$4.0B10.7%0.38%vs
Goldenwest Federal Credit UnionCredit union Ogden, UT81 out of 100, Strong$4.3B13.2%0.47%vs

Deposit insurance

Is my money safe at Cyprus Federal Credit Union?

Yes. Cyprus Federal Credit Union is a federally insured credit union (NCUA charter #24688). 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 9.3% of shares and deposits ($166.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 12.42%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

11 locations

Branches

Cyprus Federal Credit Union lists 11 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Cyprus Federal Credit Union reported 1,764 home-loan applications under HMDA (LEI 549300HS714PZ0BMPN11): 1,104 originated ($216,680,000 total), 479 denied, and 181 withdrawn or closed by the applicant. Its denial rate on decided applications was 30.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
VISA Low-Rate Variable10.49% – 18.00%$0$290.0%

All Cyprus Federal Credit Union card terms

Identity & history

Profile

Legal name
Cyprus Federal Credit Union
Type
Federal credit union
NCUA charter #
24688
RSSD ID
347590
Primary regulator
NCUA
Established
1935
Headquarters
PO Box 9002, West Jordan, UT 84084
Employees
520

Quick answers

Cyprus Federal Credit Union: common questions

Is Cyprus Federal Credit Union NCUA insured?

Yes. Cyprus Federal Credit Union is a federally insured credit union (NCUA charter #24688). 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 Cyprus Federal Credit Union's TellerScore?

71 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 Cyprus Federal Credit Union have?

11 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near West Jordan

InstitutionScoreAssetsCapitalProblem loansCompare
Uintah Credit UnionCredit union Vernal, UT100 out of 100, Very strong$3.9M21.3%0.00%vs
Norfolk Fire Department Federal Credit UnionCredit union Norfolk, VA93 out of 100, Very strong$26.8M20.1%0.41%vs
Optum Bank, Inc.Bank Draper, UT93 out of 100, Very strong$21.4B13.2%0.21%vs
Beckstrand and Associates Credit UnionCredit union Salt Lake City, UT93 out of 100, Very strong$166K99.9%—vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Wiremen'S Credit UnionCredit union Parma, OH92 out of 100, Very strong$40.6M17.0%0.11%vs