TellerScore

Elevate Federal Credit Union (NCUA charter #9163) is based in Brigham City, Utah. Its Q2 2026 call report shows $260.3M in total assets and $205.0M in member shares and deposits and 3 offices.

Elevate Federal Credit Union has a TellerScore of 94 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 1,341 credit unions with $100 million – $1 billion. Among 51 credit unions headquartered in Utah, it ranks 3rd. Capital cushion contributes the most (100/100, 20.93%); funding & liquidity contributes the least (83/100, 77% loans-to-deposits, 6% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.93%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.24%
Earnings93/100
Return on assets (annualized): 1.83%
Funding & liquidity83/100
Loans ÷ shares: 76.9% · 6.1% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.74%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (93 → 94).

TellerScore
899294Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202489
Q3 202489
Q4 202491
Q1 202591
Q2 202593
Q3 202594
Q4 202593
Q1 202693
Q2 202694
Net worth ratio
7.00%13.96%20.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202420.06%
Q3 202417.15%
Q4 202420.04%
Q1 202519.87%
Q2 202520.28%
Q3 202520.55%
Q4 202520.89%
Q1 202620.43%
Q2 202620.93%
Delinquent loans (60+ days)
0.12%0.21%0.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.25%
Q3 20240.29%
Q4 20240.31%
Q1 20250.26%
Q2 20250.20%
Q3 20250.12%
Q4 20250.21%
Q1 20260.12%
Q2 20260.24%
Return on assets
1.12%1.48%1.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.21%
Q3 20241.12%
Q4 20241.39%
Q1 20251.40%
Q2 20251.60%
Q3 20251.71%
Q4 20251.70%
Q1 20261.56%
Q2 20261.83%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$260.3M20.93%0.24%1.83%76.9%
Q1 202693$260.0M20.43%0.12%1.56%77.1%
Q4 202593$249.4M20.89%0.21%1.70%81.5%
Q3 202594$248.5M20.55%0.12%1.71%78.7%
Q2 202593$245.9M20.28%0.20%1.60%74.9%
Q1 202591$245.3M19.87%0.26%1.40%72.3%
Q4 202491$238.9M20.04%0.31%1.39%73.6%
Q3 202489$273.4M17.15%0.29%1.12%62.8%
Q2 202489$229.2M20.06%0.25%1.21%74.1%

1,341 peers · $100 million – $1 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 ratio20.93%
98th
Problem loans0.24%
87th
Net charge-offs0.27%
61st
Return on assets1.83%
95th
Loans to deposits76.9%
47th
Uninsured deposits6.1%
47th
Loan-loss reserves0.00%
50th
Texas ratio0.7%
92nd

Similar-size credit unions in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
Eastern Utah Community Federal Credit UnionCredit union Price, UT81 out of 100, Strong$219.2M14.1%0.74%vs
Members First Credit UnionCredit union Brigham City, UT95 out of 100, Very strong$209.1M14.9%0.43%vs
Horizon Utah Federal Credit UnionCredit union Farmington, UT64 out of 100, Moderate$185.2M11.5%0.91%vs
Hercules First Federal Credit UnionCredit union Salt Lake City, UT51 out of 100, Below average$176.3M9.0%1.00%vs
Utah Heritage Credit UnionCredit union Moroni, UT63 out of 100, Moderate$166.7M12.4%2.51%vs
Alpine Federal Credit UnionCredit union Orem, UT66 out of 100, Moderate$362.9M10.3%1.00%vs

Deposit insurance

Is my money safe at Elevate Federal Credit Union?

Yes. Elevate Federal Credit Union is a federally insured credit union (NCUA charter #9163). 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 6.1% of shares and deposits ($12.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 20.93%, well 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

Elevate Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Elevate Federal Credit Union
Type
Federal credit union
NCUA charter #
9163
RSSD ID
282084
Primary regulator
NCUA
Established
1954
Headquarters
1023 Medical Dr, Brigham City, UT 84302
Employees
42

Quick answers

Elevate Federal Credit Union: common questions

Is Elevate Federal Credit Union NCUA insured?

Yes. Elevate Federal Credit Union is a federally insured credit union (NCUA charter #9163). 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 Elevate Federal Credit Union's TellerScore?

94 out of 100 (Very 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 Elevate Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Brigham City

InstitutionScoreAssetsCapitalProblem loansCompare
Members First Credit UnionCredit union Brigham City, UT95 out of 100, Very strong$209.1M14.9%0.43%vs
Goldenwest Federal Credit UnionCredit union Ogden, UT81 out of 100, Strong$4.3B13.2%0.47%vs
D. L. Evans BankBank Burley, ID76 out of 100, Strong$3.7B10.4%0.26%vs
Bank of UtahBank Ogden, UT75 out of 100, Strong$3.8B12.7%0.15%vs
New Heights Federal Credit UnionCredit union Logan, UT75 out of 100, Strong$27.7M14.9%0.93%vs
Cache Valley BankBank Logan, UT73 out of 100, Strong$3.5B10.7%0.29%vs