TellerScore

Headquartered in Moroni, Utah, Utah Heritage Credit Union is a federally insured state-chartered credit union with $166.7M in total assets and $144.0M in member shares and deposits as of Q2 2026. It operates 5 offices across 2 states. Its charter dates back to 1969.

Based on its Q2 2026 filing, Utah Heritage Credit Union scores 63/100, which we describe as moderate. That is higher than only 29% of 1,341 credit unions with $100 million – $1 billion. Among 51 credit unions headquartered in Utah, it ranks 40th. Its strongest component is earnings (85/100; 1.64%), and its lowest is loan quality (16/100; 2.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Net worth ratio: 12.36%
Loan quality16/100
Loans 60+ days delinquent ÷ total loans: 2.51%
Earnings85/100
Return on assets (annualized): 1.64%
Funding & liquidity84/100
Loans ÷ shares: 76.5% · 15.0% uninsured
Problem-loan coverage73/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 13.40%

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 fell 4 points (67 → 63), mostly because the loan quality component weakened by 25 points.

TellerScore
627078Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202478
Q4 202468
Q1 202569
Q2 202567
Q3 202567
Q4 202562
Q1 202664
Q2 202663
Net worth ratio
7.00%9.68%12.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.96%
Q3 202411.13%
Q4 202411.25%
Q1 202511.40%
Q2 202511.60%
Q3 202511.94%
Q4 202512.04%
Q1 202612.35%
Q2 202612.36%
Delinquent loans (60+ days)
0.40%1.45%2.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.50%
Q3 20240.40%
Q4 20241.41%
Q1 20251.64%
Q2 20251.77%
Q3 20251.95%
Q4 20252.46%
Q1 20262.31%
Q2 20262.51%
Return on assets
1.53%1.67%1.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.59%
Q3 20241.60%
Q4 20241.55%
Q1 20251.82%
Q2 20251.75%
Q3 20251.76%
Q4 20251.71%
Q1 20261.53%
Q2 20261.64%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$166.7M12.36%2.51%1.64%76.5%
Q1 202664$160.8M12.35%2.31%1.53%80.0%
Q4 202562$159.7M12.04%2.46%1.71%79.7%
Q3 202567$155.5M11.94%1.95%1.76%80.1%
Q2 202567$153.9M11.60%1.77%1.75%83.8%
Q1 202569$150.8M11.40%1.64%1.82%82.0%
Q4 202468$146.7M11.25%1.41%1.55%83.3%
Q3 202478$143.4M11.13%0.40%1.60%81.8%
Q2 202477$140.1M10.96%0.50%1.59%80.5%

1,341 peers · $100 million – $1 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 ratio12.36%
61st
Problem loans2.51%
3rd
Net charge-offs0.17%
75th
Return on assets1.64%
92nd
Loans to deposits76.5%
48th
Uninsured deposits15.0%
5th
Loan-loss reserves0.00%
50th
Texas ratio13.4%
7th

Similar-size credit unions in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
Hercules First Federal Credit UnionCredit union Salt Lake City, UT51 out of 100, Below average$176.3M9.0%1.00%vs
Horizon Utah Federal Credit UnionCredit union Farmington, UT64 out of 100, Moderate$185.2M11.5%0.91%vs
Pacific Horizon Credit UnionCredit union Springville, UT53 out of 100, Below average$141.4M9.3%1.81%vs
Members First Credit UnionCredit union Brigham City, UT95 out of 100, Very strong$209.1M14.9%0.43%vs
Desert Rivers Federal Credit UnionCredit union Moab, UT50 out of 100, Below average$116.7M8.4%1.34%vs
Eastern Utah Community Federal Credit UnionCredit union Price, UT81 out of 100, Strong$219.2M14.1%0.74%vs

Deposit insurance

Is my money safe at Utah Heritage Credit Union?

Yes. Utah Heritage Credit Union is a federally insured credit union (NCUA charter #67076). 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 15.0% of shares and deposits ($21.6M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.36%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Utah Heritage Credit Union lists 5 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Utah Heritage Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67076
RSSD ID
339193
Primary regulator
State + NCUA
Established
1969
Headquarters
PO Box 50, Moroni, UT 84646
Employees
27

Quick answers

Utah Heritage Credit Union: common questions

Is Utah Heritage Credit Union NCUA insured?

Yes. Utah Heritage Credit Union is a federally insured credit union (NCUA charter #67076). 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 Heritage Credit Union's TellerScore?

63 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 Utah Heritage Credit Union have?

5 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Moroni

InstitutionScoreAssetsCapitalProblem loansCompare
North Sanpete Federal Credit UnionCredit union Fairview, UT89 out of 100, Very strong$1.2M23.5%0.00%vs
Central BankBank Provo, UT89 out of 100, Very strong$2.2B15.4%0.47%vs
Utah Community Federal Credit UnionCredit union Provo, UT74 out of 100, Strong$4.0B10.7%0.38%vs
Cache Valley BankBank Logan, UT73 out of 100, Strong$3.5B10.7%0.29%vs
Zions Bancorporation, N.A.Bank Salt Lake City, UT67 out of 100, Moderate$89.0B9.4%0.47%vs
Wells Fargo Bank, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$1.9T8.0%1.04%vs