Industry Rankings

CU Wrapped 2025

Credit Union Leaderboards

See who's leading and who's falling behind across the credit union industry

Tier:

All Community Mid-Market Large Titans

State:

Active filters: UT × Clear all

Most Strengths

All tiers in UT

Rank	Credit Union
1	WASATCH PEAKS Community OGDEN, UT
2	UTAH POWER Mid-Market Murray, UT
3	UTAH FIRST Mid-Market Salt Lake City, UT
4	UTAH COMMUNITY Mid-Market Provo, UT
5	MEMBERS FIRST Community Brigham City, UT
6	ELEVATE Community Brigham City, UT
7	GOLDENWEST Mid-Market Ogden, UT
8	MOUNTAIN AMERICA Titans SANDY, UT
9	AMERICA FIRST Titans RIVERDALE, UT
10	UTAH HERITAGE Community Moroni, UT
11	CYPRUS Mid-Market West Jordan, UT
12	KINGS PEAK Roosevelt, UT
13	PACIFIC HORIZON Community Springville, UT
14	DESERET FIRST Mid-Market West Valley Cit, UT
15	FREEDOM Provo, UT
16	CANYON VIEW Mid-Market Salt Lake City, UT
17	JORDAN Community South Jordan, UT
18	GRANITE Community Salt Lake City, UT
19	ALPINE Community Orem, UT
20	UINTAH VERNAL, UT
21	HERCULES FIRST Community SALT LAKE CITY, UT
22	FLEXPAK Woods Cross, UT
23	S E A Richfield, UT
24	AMERICAN UNITED Community West Jordan, UT
25	DESERT RIVERS Community Moab, UT

Most Concerns

All tiers in UT

Rank	Credit Union
1	OREM CITY EMPLOYEES OREM, UT
2	NATIONAL J. A. C. L. Salt Lake City, UT
3	P & S Salt Lake City, UT
4	RIDGELINE SALT LAKE CITY, UT
5	VALLEY WIDE Vernal, UT
6	LU 354 I B E W SALT LAKE CITY, UT
7	HI-LAND SALT LAKE CITY, UT
8	PRESTO LEWISTON EMPLOYEES Lewiston, UT
9	HOLLYFRONTIER EMPLOYEE'S Bountiful, UT
10	ASCENT Community OGDEN, UT
11	NEW HEIGHTS LOGAN, UT
12	SAN JUAN BLANDING, UT
13	NEPHI WESTERN EMPLOYEES Nephi, UT
14	HORIZON UTAH Community Farmington, UT
15	VAREX SALT LAKE CITY, UT
16	GIBBONS AND REED EMPLOYEES SALT LAKE CITY, UT
17	SOUTH SANPETE Manti, UT
18	NORTH SANPETE Fairview, UT
19	MILLARD COUNTY FILLMORE, UT
20	LOGAN MEDICAL LOGAN, UT
21	EASTERN UTAH COMMUNITY Community Price, UT
22	DESERT RIVERS Community Moab, UT
23	DEVILS SLIDE Morgan, UT
24	FLEXPAK Woods Cross, UT
25	FIREFIGHTERS Draper, UT

Explore by Dimension

Signatures

Growth & Performance

Credit Quality Leader Emerging Performer Organic Growth Engine Organic Growth Leader Profitability Leader Relationship Depth Leader Wallet Share Momentum

Risk & Quality

Capital Constraint Cost Spiral Credit Quality Pressure Credit Risk Growth Efficiency Drag Flatlined Growth Indirect Auto Dependency Liquidity Overhang Liquidity Strain Stagnation Risk

Decline Indicators

Accelerating Exit Risk Deposit Outflow Institutional Decline Margin Compression Membership Headwinds Shrinking Wallet Share Wealth Migration Risk

Metrics

Growth

Asset Growth (YoY) (Absolute) Average Member Relationship Growth (YoY) (Absolute) Deposit Growth (YoY) (Absolute) Loan Growth (YoY) (Absolute) Member Growth (YoY) (Absolute)

Profitability

Efficiency Ratio (Absolute) Efficiency Ratio (QoQ Change) Efficiency Ratio (YoY Change) Fee Income Per Member (Absolute) Fee Income Per Member (QoQ Change) Fee Income Per Member (YoY Change) Net Interest Margin (NIM) (Absolute) Net Interest Margin (NIM) (QoQ Change) Net Interest Margin (NIM) (YoY Change) Return on Assets (ROA) (Absolute) Return on Assets (ROA) (QoQ Change) Return on Assets (ROA) (YoY Change)

Member Engagement

Average Member Relationship (AMR) (Absolute) Average Member Relationship (AMR) (QoQ Change) Average Member Relationship (AMR) (YoY Change) Loan-to-Member Ratio (LMR) (Absolute) Loan-to-Member Ratio (LMR) (QoQ Change) Loan-to-Member Ratio (LMR) (YoY Change) Members Per Employee (MPE) (Absolute) Members Per Employee (MPE) (QoQ Change) Members Per Employee (MPE) (YoY Change) Total Members (Absolute) Total Members (QoQ Change) Total Members (YoY Change)

Balance Sheet

First Mortgage Concentration (%) (Absolute) First Mortgage Concentration (%) (QoQ Change) First Mortgage Concentration (%) (YoY Change) Indirect Auto Concentration (%) (Absolute) Indirect Auto Concentration (%) (QoQ Change) Indirect Auto Concentration (%) (YoY Change) Loan-to-Share Ratio (Absolute) Loan-to-Share Ratio (QoQ Change) Loan-to-Share Ratio (YoY Change) Share Certificate Concentration (%) (Absolute) Share Certificate Concentration (%) (QoQ Change) Share Certificate Concentration (%) (YoY Change) Total Assets (Absolute) Total Assets (QoQ Change) Total Assets (YoY Change) Total Deposits (Absolute) Total Deposits (QoQ Change) Total Deposits (YoY Change) Total Loans (Absolute) Total Loans (QoQ Change) Total Loans (YoY Change)

Risk

Net Charge-Off Rate (Absolute) Net Charge-Off Rate (QoQ Change) Net Charge-Off Rate (YoY Change) Net Worth Ratio (Absolute) Net Worth Ratio (QoQ Change) Net Worth Ratio (YoY Change) Total Delinquency Rate (60+ days) (Absolute) Total Delinquency Rate (60+ days) (QoQ Change) Total Delinquency Rate (60+ days) (YoY Change)