TellerScore

Headquartered in Manti, Utah, South Sanpete Credit Union is a federally insured state-chartered credit union with $1.1M in total assets and $935K in member shares and deposits as of Q2 2026. Its charter dates back to 1956.

South Sanpete Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Utah, it ranks 13th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (45/100, 0.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion79/100
Net worth ratio: 12.93%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings45/100
Return on assets (annualized): 0.62%
Funding & liquidity100/100
Loans ÷ shares: 58.1% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 (82 → 83).

TellerScore
788183Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202481
Q3 202480
Q4 202478
Q1 202578
Q2 202582
Q3 202582
Q4 202582
Q1 202679
Q2 202683
Net worth ratio
7.00%10.07%13.15%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202413.15%
Q3 202413.13%
Q4 202412.07%
Q1 202512.02%
Q2 202513.01%
Q3 202512.92%
Q4 202512.75%
Q1 202611.81%
Q2 202612.93%
Delinquent loans (60+ days)
0.00%0.07%0.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.14%
Q3 20240.12%
Q4 20240.09%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.45%0.71%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.96%
Q3 20240.72%
Q4 20240.66%
Q1 20250.45%
Q2 20250.70%
Q3 20250.69%
Q4 20250.72%
Q1 20260.53%
Q2 20260.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$1.1M12.93%0.00%0.62%58.1%
Q1 202679$1.2M11.81%0.00%0.53%56.4%
Q4 202582$1.1M12.75%0.00%0.72%66.3%
Q3 202582$1.0M12.92%0.00%0.69%68.0%
Q2 202582$1.0M13.01%0.00%0.70%72.8%
Q1 202578$1.1M12.02%0.00%0.45%67.5%
Q4 202478$1.1M12.07%0.09%0.66%69.6%
Q3 202480$964K13.13%0.12%0.72%79.7%
Q2 202481$958K13.15%0.14%0.96%87.5%

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 ratio12.93%
39th
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets0.62%
49th
Loans to deposits58.1%
51st
Uninsured deposits0.0%
81st
Loan-loss reserves4.46%
95th
Texas ratio0.0%
93rd

Similar-size credit unions in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
North Sanpete Federal Credit UnionCredit union Fairview, UT89 out of 100, Very strong$1.2M23.5%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
Flexpak Federal Credit UnionCredit union Woods Cross, UT87 out of 100, Very strong$1.9M19.9%0.00%vs
Beckstrand and Associates Credit UnionCredit union Salt Lake City, UT93 out of 100, Very strong$166K99.9%—vs
Orem City Employees Federal Credit UnionCredit union Orem, UT82 out of 100, Strong$2.7M14.3%0.13%vs

Deposit insurance

Is my money safe at South Sanpete Credit Union?

Yes. South Sanpete Credit Union is a federally insured credit union (NCUA charter #67130). 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 12.93%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
South Sanpete Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67130
RSSD ID
276494
Primary regulator
State + NCUA
Established
1956
Headquarters
39 S Main St, Manti, UT 84642
Employees
2

Quick answers

South Sanpete Credit Union: common questions

Is South Sanpete Credit Union NCUA insured?

Yes. South Sanpete Credit Union is a federally insured credit union (NCUA charter #67130). 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 South Sanpete Credit Union's TellerScore?

83 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.