TellerScore

Nephi Western Employees Federal Credit Union is a federal credit union headquartered in Nephi, Utah, in business for about 76 years. At the end of Q2 2026 it reported $46.4M in total assets and $30.3M in member shares and deposits.

Nephi Western Employees Federal Credit Union has a TellerScore of 90 out of 100 (very strong) based on Q2 2026 data — higher than 89% of its 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Utah, it ranks 5th. Capital cushion contributes the most (100/100, 34.45%); funding & liquidity contributes the least (69/100, 91% loans-to-deposits, 1% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 34.45%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.15%
Earnings80/100
Return on assets (annualized): 1.50%
Funding & liquidity69/100
Loans ÷ shares: 91.3% · 0.7% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.26%

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 (89 → 90).

TellerScore
878990Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202488
Q3 202487
Q4 202488
Q1 202589
Q2 202589
Q3 202588
Q4 202587
Q1 202689
Q2 202690
Net worth ratio
7.00%20.80%34.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202433.97%
Q3 202433.94%
Q4 202433.72%
Q1 202534.18%
Q2 202534.06%
Q3 202534.24%
Q4 202534.61%
Q1 202634.28%
Q2 202634.45%
Delinquent loans (60+ days)
0.00%0.13%0.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.20%
Q3 20240.10%
Q4 20240.25%
Q1 20250.00%
Q2 20250.00%
Q3 20250.12%
Q4 20250.22%
Q1 20260.10%
Q2 20260.15%
Return on assets
1.31%1.44%1.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.57%
Q3 20241.31%
Q4 20241.51%
Q1 20251.37%
Q2 20251.37%
Q3 20251.36%
Q4 20251.36%
Q1 20261.39%
Q2 20261.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$46.4M34.45%0.15%1.50%91.3%
Q1 202689$46.1M34.28%0.10%1.39%93.5%
Q4 202587$45.2M34.61%0.22%1.36%98.5%
Q3 202588$45.2M34.24%0.12%1.36%99.2%
Q2 202589$45.0M34.06%0.00%1.37%99.6%
Q1 202589$44.4M34.18%0.00%1.37%101.0%
Q4 202488$44.5M33.72%0.25%1.51%100.4%
Q3 202487$43.7M33.94%0.10%1.31%102.9%
Q2 202488$43.3M33.97%0.20%1.57%107.6%

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 ratio34.45%
96th
Problem loans0.15%
77th
Net charge-offs0.03%
65th
Return on assets1.50%
85th
Loans to deposits91.3%
8th
Uninsured deposits0.7%
57th
Loan-loss reserves0.00%
37th
Texas ratio0.3%
80th

Similar-size credit unions in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
Desertview Federal Credit UnionCredit union Huntington, UT74 out of 100, Strong$48.3M13.7%1.90%vs
Lu 354 I B E W Federal Credit UnionCredit union Salt Lake City, UT64 out of 100, Moderate$39.8M16.8%2.77%vs
National J. A. C. L. Credit UnionCredit union Salt Lake City, UT51 out of 100, Below average$38.6M9.7%1.71%vs
Hi-Land Credit UnionCredit union Salt Lake City, UT71 out of 100, Strong$37.9M26.8%0.03%vs
Logan Medical Federal Credit UnionCredit union Logan, UT67 out of 100, Moderate$33.2M18.4%2.80%vs
Education 1st Credit UnionCredit union Ogden, UT68 out of 100, Moderate$61.9M9.9%0.05%vs

Deposit insurance

Is my money safe at Nephi Western Employees Federal Credit Union?

Yes. Nephi Western Employees Federal Credit Union is a federally insured credit union (NCUA charter #6920). 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 0.7% of shares and deposits ($218K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 34.45%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Nephi Western Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
6920
RSSD ID
337489
Primary regulator
NCUA
Established
1950
Headquarters
PO Box 252, Nephi, UT 84648
Employees
5

Quick answers

Nephi Western Employees Federal Credit Union: common questions

Is Nephi Western Employees Federal Credit Union NCUA insured?

Yes. Nephi Western Employees Federal Credit Union is a federally insured credit union (NCUA charter #6920). 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 Nephi Western Employees Federal Credit Union's TellerScore?

90 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.