TellerScore

Headquartered in Orem, Utah, Orem City Employees Federal Credit Union is a federal credit union with $2.7M in total assets and $2.3M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1960.

Based on its Q2 2026 filing, Orem City Employees Federal Credit Union scores 82/100, which we describe as strong. That is higher than 70% of 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Utah, it ranks 14th. Its strongest component is problem-loan coverage (99/100; 0.5%), and its lowest is earnings (30/100; 0.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion93/100
Net worth ratio: 14.33%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.13%
Earnings30/100
Return on assets (annualized): 0.24%
Funding & liquidity92/100
Loans ÷ shares: 67.8% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.52%

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 16 points (66 → 82), mostly because the loan quality component improved by 53 points.

TellerScore
566982Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202469
Q3 202469
Q4 202477
Q1 202575
Q2 202566
Q3 202572
Q4 202570
Q1 202656
Q2 202682
Net worth ratio
7.00%11.04%15.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202414.71%
Q3 202415.01%
Q4 202414.51%
Q1 202514.30%
Q2 202514.74%
Q3 202514.82%
Q4 202515.07%
Q1 202614.39%
Q2 202614.33%
Delinquent loans (60+ days)
0.13%1.29%2.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.59%
Q3 20241.48%
Q4 20240.93%
Q1 20250.84%
Q2 20251.72%
Q3 20251.40%
Q4 20251.50%
Q1 20262.45%
Q2 20260.13%
Return on assets
-0.37%0.32%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.70%
Q3 20240.48%
Q4 20241.00%
Q1 20250.49%
Q2 20250.22%
Q3 20250.36%
Q4 20250.12%
Q1 2026-0.37%
Q2 20260.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$2.7M14.33%0.13%0.24%67.8%
Q1 202656$2.7M14.39%2.45%-0.37%65.3%
Q4 202570$2.6M15.07%1.50%0.12%68.5%
Q3 202572$2.7M14.82%1.40%0.36%71.4%
Q2 202566$2.6M14.74%1.72%0.22%77.8%
Q1 202575$2.7M14.30%0.84%0.49%84.7%
Q4 202477$2.7M14.51%0.93%1.00%92.4%
Q3 202469$2.6M15.01%1.48%0.48%91.4%
Q2 202469$2.6M14.71%1.59%0.70%95.7%

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 ratio14.33%
50th
Problem loans0.13%
78th
Net charge-offs0.00%
77th
Return on assets0.24%
29th
Loans to deposits67.8%
37th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.5%
74th

Similar-size credit unions in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
Flexpak Federal Credit UnionCredit union Woods Cross, UT87 out of 100, Very strong$1.9M19.9%0.00%vs
Uintah Credit UnionCredit union Vernal, UT100 out of 100, Very strong$3.9M21.3%0.00%vs
North Sanpete Federal Credit UnionCredit union Fairview, UT89 out of 100, Very strong$1.2M23.5%0.00%vs
South Sanpete Credit UnionCredit union Manti, UT83 out of 100, Strong$1.1M12.9%0.00%vs
Valley Wide Federal Credit UnionCredit union Vernal, UT85 out of 100, Very strong$404K33.5%0.00%vs
Presto Lewiston Employees Credit UnionCredit union Lewiston, UT85 out of 100, Very strong$342K26.6%0.00%vs

Deposit insurance

Is my money safe at Orem City Employees Federal Credit Union?

Yes. Orem City Employees Federal Credit Union is a federally insured credit union (NCUA charter #13965). 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 0.0% of shares and deposits ($0) 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 14.33%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Orem City Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Orem City Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
13965
RSSD ID
509183
Primary regulator
NCUA
Established
1960
Headquarters
56 N State St, Orem, UT 84057
Employees
3

Quick answers

Orem City Employees Federal Credit Union: common questions

Is Orem City Employees Federal Credit Union NCUA insured?

Yes. Orem City Employees Federal Credit Union is a federally insured credit union (NCUA charter #13965). 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 Orem City Employees Federal Credit Union's TellerScore?

82 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 Orem City Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Orem

InstitutionScoreAssetsCapitalProblem loansCompare
Optum Bank, Inc.Bank Draper, UT93 out of 100, Very strong$21.4B13.2%0.21%vs
Wiremen'S Credit UnionCredit union Parma, OH92 out of 100, Very strong$40.6M17.0%0.11%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Trinity Valley Teachers Credit UnionCredit union Palestine, TX91 out of 100, Very strong$31.6M31.3%0.59%vs
Parks Heritage Federal Credit UnionCredit union Glens Falls, NY90 out of 100, Very strong$42.3M16.6%0.28%vs
Glatco Credit UnionCredit union Spring Grove, PA90 out of 100, Very strong$54.1M16.2%0.79%vs