Charter 10709 · Provo, UT
Utah Community Federal Credit Union
Utah Community Federal Credit Union is a federally chartered credit union in Provo, Utah, with $4.04 billion in assets and 270,676 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.69%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $4.04 billion
- +13.0% in a year
- Members
- 270,676
- +3.1% in a year
- Net worth ratio
- 10.69%
- Peer median 10.79%
- Loans 60+ days late
- 0.38%
- Peer median 0.67%
- Loans outstanding
- $3.26 billion
- +13.0% in a year
- Shares and deposits
- $3.42 billion
- +6.9% in a year
- Branches
- 27
- 623 employees
- Opened
- 1955
- Federal charter
How Utah Community Federal Credit Union compares
NCUA groups credit unions by size; Utah Community Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 10.69% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.38%, is lower than the group median of 0.67%. Loans grew 13.0% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 4 of 51 credit unions headquartered in Utah. See all Utah credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $4.04 billion | 270,676 | $3.26 billion | 10.69% | 0.38% |
| Q1 2026 | $3.86 billion | 268,370 | $3.16 billion | 10.47% | 0.35% |
| Q4 2025 | $3.74 billion | 265,405 | $3.06 billion | 10.42% | 0.51% |
| Q3 2025 | $3.70 billion | 264,599 | $2.95 billion | 10.53% | 0.37% |
| Q2 2025 | $3.58 billion | 262,593 | $2.88 billion | 10.56% | 0.47% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 3.5 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 28 sites for Utah Community Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Headquarters (main office)
360 W 4800 N, Provo, UT 84604 - Freedom
1535 N Freedom Blvd, Provo, UT 84604 - South Orem
311 E 800 S, Orem, UT 84097 - East Bay
1501 S 40 E, Provo, UT 84606 - American Fork
196 N West State Rd, American Fork, UT 84003 - Spanish Fork
810 N Main St, Spanish Fork, UT 84660 - Pleasant Grove
105 E State Rd, Pleasant Grove, UT 84062 - North Orem
305 W 800 N, Orem, UT 84057 - Springville
724 N Main St, Springville, UT 84663 - Payson
1012 W 800 S, Payson, UT 84651 - Saratoga Springs
1364 N Commerce Dr, Saratoga Springs, UT 84045 - Highland
5310 W 10700 N, Highland, UT 84003 - Heber
875 S Main St, Heber City, UT 84032 - Santaquin
129 E Main St, Santaquin, UT 84655 - Nephi
119 N Main St, Nephi, UT 84648 - Salem
272 N 200 E, Salem, UT 84653 - Lehi
3333 N Digital Dr, Lehi, UT 84043 - Utah Valley University
800 W University Pkwy Ste Sc101E, Orem, UT 84058 - DRAPER
112 E 12300 S, Draper, UT 84020 - HERRIMAN
13372 S Rosecrest Rd, Herriman, UT 84096 - Vineyard
622 North Mill Road, Vineyard, UT 84058 - Magna Branch
9024 W Magna Main St, Magna, UT 84044 - Salt Lake Branch
39 W 2100 S, Salt Lake City, UT 84115 - Sandy Branch
10692 S State St, Sandy, UT 84070 - Taylorsville Branch
6189 S Redwood Rd, Taylorsville, UT 84123 - Transwest Administrative Office
37 W 1700 S, Salt Lake City, UT 84115 - Cedar City
126 N Main St Ste C2, Cedar City, UT 84720 - Riverton
3793 W 13400 S, Riverton, UT 84065
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology