TellerScore

Utah First Federal Credit Union is a federal credit union headquartered in Salt Lake City, Utah, in business for about 91 years. At the end of Q2 2026 it reported $1.2B in total assets and $929.1M in member shares and deposits, with 9 offices.

Utah First Federal Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 62% of its 454 credit unions with $1 billion – $10 billion. Among 51 credit unions headquartered in Utah, it ranks 26th. Loan quality contributes the most (96/100, 0.13%); capital cushion contributes the least (54/100, 10.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Net worth ratio: 10.38%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.13%
Earnings62/100
Return on assets (annualized): 1.04%
Funding & liquidity56/100
Loans ÷ shares: 104.6% · 12.9% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.85%

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 4 points (67 → 71), mostly because the loan quality component improved by 7 points.

TellerScore
656871Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202466
Q3 202465
Q4 202465
Q1 202565
Q2 202567
Q3 202567
Q4 202568
Q1 202670
Q2 202671
Net worth ratio
7.00%8.69%10.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.63%
Q3 20249.75%
Q4 20249.92%
Q1 20259.82%
Q2 202510.09%
Q3 20259.88%
Q4 202510.22%
Q1 202610.20%
Q2 202610.38%
Delinquent loans (60+ days)
0.13%0.37%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.35%
Q3 20240.61%
Q4 20240.56%
Q1 20250.35%
Q2 20250.33%
Q3 20250.25%
Q4 20250.27%
Q1 20260.17%
Q2 20260.13%
Return on assets
0.81%0.96%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.01%
Q3 20241.10%
Q4 20241.11%
Q1 20250.81%
Q2 20250.95%
Q3 20250.95%
Q4 20251.03%
Q1 20261.02%
Q2 20261.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$1.2B10.38%0.13%1.04%104.6%
Q1 202670$1.2B10.20%0.17%1.02%101.1%
Q4 202568$1.1B10.22%0.27%1.03%104.1%
Q3 202567$1.1B9.88%0.25%0.95%101.8%
Q2 202567$1.1B10.09%0.33%0.95%106.5%
Q1 202565$1.1B9.82%0.35%0.81%102.3%
Q4 202465$1.0B9.92%0.56%1.11%104.9%
Q3 202465$1.0B9.75%0.61%1.10%104.5%
Q2 202466$1.0B9.63%0.35%1.01%103.6%

454 peers · $1 billion – $10 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 ratio10.38%
37th
Problem loans0.13%
98th
Net charge-offs0.29%
77th
Return on assets1.04%
70th
Loans to deposits104.6%
6th
Uninsured deposits12.9%
21st
Loan-loss reserves0.00%
50th
Texas ratio1.9%
89th

Similar-size credit unions in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
Utah Power Credit UnionCredit union Murray, UT87 out of 100, Very strong$1.1B13.7%0.27%vs
Deseret First Federal Credit UnionCredit union West Valley Cit, UT60 out of 100, Moderate$1.3B8.6%0.75%vs
Cyprus Federal Credit UnionCredit union West Jordan, UT71 out of 100, Strong$2.1B12.4%0.41%vs
Canyon View Federal Credit UnionCredit union Salt Lake City, UT55 out of 100, Moderate$2.1B9.8%1.36%vs
Utah Community Federal Credit UnionCredit union Provo, UT74 out of 100, Strong$4.0B10.7%0.38%vs
Goldenwest Federal Credit UnionCredit union Ogden, UT81 out of 100, Strong$4.3B13.2%0.47%vs

Deposit insurance

Is my money safe at Utah First Federal Credit Union?

Yes. Utah First Federal Credit Union is a federally insured credit union (NCUA charter #528). 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 12.9% of shares and deposits ($119.8M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.38%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Utah First Federal Credit Union lists 9 offices in 8 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Utah First Federal Credit Union
Type
Federal credit union
NCUA charter #
528
RSSD ID
734976
Primary regulator
NCUA
Established
1935
Headquarters
200 E South Temple, Salt Lake City, UT 84111
Employees
160

Quick answers

Utah First Federal Credit Union: common questions

Is Utah First Federal Credit Union NCUA insured?

Yes. Utah First Federal Credit Union is a federally insured credit union (NCUA charter #528). 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 Utah First Federal Credit Union's TellerScore?

71 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 Utah First Federal Credit Union have?

9 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Salt Lake City

InstitutionScoreAssetsCapitalProblem loansCompare
Uintah Credit UnionCredit union Vernal, UT100 out of 100, Very strong$3.9M21.3%0.00%vs
Norfolk Fire Department Federal Credit UnionCredit union Norfolk, VA93 out of 100, Very strong$26.8M20.1%0.41%vs
Beckstrand and Associates Credit UnionCredit union Salt Lake City, UT93 out of 100, Very strong$166K99.9%—vs
Optum Bank, Inc.Bank Draper, UT93 out of 100, Very strong$21.4B13.2%0.21%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Wiremen'S Credit UnionCredit union Parma, OH92 out of 100, Very strong$40.6M17.0%0.11%vs