Ridgeline Federal Credit Union is a federal credit union headquartered in Salt Lake City, Utah, in business for about 75 years. At the end of Q2 2026 it reported $27.6M in total assets and $25.0M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, Ridgeline Federal Credit Union scores 56/100, which we describe as moderate. That is higher than only 16% of 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Utah, it ranks 45th. Its strongest component is funding & liquidity (100/100; 51% loans-to-deposits, 9% uninsured), and its lowest is earnings (7/100; -0.31%).
TellerScore · Q2 2026
Scorecard
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 (55 → 56).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 70 |
| Q4 2024 | 67 |
| Q1 2025 | 61 |
| Q2 2025 | 55 |
| Q3 2025 | 63 |
| Q4 2025 | 61 |
| Q1 2026 | 63 |
| Q2 2026 | 56 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.76% |
| Q3 2024 | 9.28% |
| Q4 2024 | 9.70% |
| Q1 2025 | 9.45% |
| Q2 2025 | 9.76% |
| Q3 2025 | 9.59% |
| Q4 2025 | 9.55% |
| Q1 2026 | 9.53% |
| Q2 2026 | 9.23% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.11% |
| Q4 2024 | 0.37% |
| Q1 2025 | 0.36% |
| Q2 2025 | 1.28% |
| Q3 2025 | 0.53% |
| Q4 2025 | 0.58% |
| Q1 2026 | 0.29% |
| Q2 2026 | 0.91% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.27% |
| Q3 2024 | 0.47% |
| Q4 2024 | 0.23% |
| Q1 2025 | -0.37% |
| Q2 2025 | -0.15% |
| Q3 2025 | 0.01% |
| Q4 2025 | -0.16% |
| Q1 2026 | -0.28% |
| Q2 2026 | -0.31% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $27.6M | 9.23% | 0.91% | -0.31% | 50.8% |
| Q1 2026 | 63 | $27.0M | 9.53% | 0.29% | -0.28% | 50.2% |
| Q4 2025 | 61 | $27.2M | 9.55% | 0.58% | -0.16% | 50.0% |
| Q3 2025 | 63 | $27.6M | 9.59% | 0.53% | 0.01% | 49.9% |
| Q2 2025 | 55 | $26.9M | 9.76% | 1.28% | -0.15% | 53.9% |
| Q1 2025 | 61 | $27.7M | 9.45% | 0.36% | -0.37% | 52.8% |
| Q4 2024 | 67 | $27.3M | 9.70% | 0.37% | 0.23% | 56.2% |
| Q3 2024 | 70 | $29.0M | 9.28% | 0.11% | 0.47% | 54.1% |
| Q2 2024 | 67 | $30.1M | 8.76% | 0.07% | 0.27% | 51.6% |
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).
Similar-size credit unions in Utah
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| New Heights Federal Credit UnionCredit union Logan, UT | 75 out of 100, Strong | $27.7M | 14.9% | 0.93% | vs |
| San Juan Credit UnionCredit union Blanding, UT | 62 out of 100, Moderate | $29.9M | 13.9% | 2.31% | vs |
| P & S Credit UnionCredit union Salt Lake City, UT | 80 out of 100, Strong | $24.9M | 12.1% | 0.02% | vs |
| Logan Medical Federal Credit UnionCredit union Logan, UT | 67 out of 100, Moderate | $33.2M | 18.4% | 2.80% | vs |
| Devils Slide Federal Credit UnionCredit union Morgan, UT | 67 out of 100, Moderate | $20.9M | 12.7% | 0.48% | vs |
| Hi-Land Credit UnionCredit union Salt Lake City, UT | 71 out of 100, Strong | $37.9M | 26.8% | 0.03% | vs |
Deposit insurance
Is my money safe at Ridgeline Federal Credit Union?
Yes. Ridgeline Federal Credit Union is a federally insured credit union (NCUA charter #7546). 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 9.2% of shares and deposits ($2.3M) 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 9.23%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Ridgeline Federal Credit Union lists 1 office in 1 city. Most locations:
Identity & history
Profile
- Legal name
- Ridgeline Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 7546
- RSSD ID
- 216780
- Primary regulator
- NCUA
- Established
- 1951
- Headquarters
- 564 E 300 S, Salt Lake City, UT 84102
- Employees
- 4
Quick answers
Ridgeline Federal Credit Union: common questions
Is Ridgeline Federal Credit Union NCUA insured?
Yes. Ridgeline Federal Credit Union is a federally insured credit union (NCUA charter #7546). 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 Ridgeline Federal Credit Union's TellerScore?
56 out of 100 (Moderate), 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 Ridgeline Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Salt Lake City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Uintah Credit UnionCredit union Vernal, UT | 100 out of 100, Very strong | $3.9M | 21.3% | 0.00% | vs |
| Norfolk Fire Department Federal Credit UnionCredit union Norfolk, VA | 93 out of 100, Very strong | $26.8M | 20.1% | 0.41% | vs |
| Beckstrand and Associates Credit UnionCredit union Salt Lake City, UT | 93 out of 100, Very strong | $166K | 99.9% | — | vs |
| Optum Bank, Inc.Bank Draper, UT | 93 out of 100, Very strong | $21.4B | 13.2% | 0.21% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Wiremen'S Credit UnionCredit union Parma, OH | 92 out of 100, Very strong | $40.6M | 17.0% | 0.11% | vs |