Charter 67076 · Moroni, UT
Utah Heritage Credit Union
Utah Heritage Credit Union is a state-chartered credit union in Moroni, Utah, with $167 million in assets and 9,035 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.36%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $167 million
- +8.3% in a year
- Members
- 9,035
- +1.1% in a year
- Net worth ratio
- 12.36%
- Peer median 11.65%
- Loans 60+ days late
- 2.51%
- Peer median 0.70%
- Loans outstanding
- $110 million
- -1.8% in a year
- Shares and deposits
- $144 million
- +7.5% in a year
- Branches
- 5
- 27 employees
- Opened
- 1969
- Utah charter
How Utah Heritage Credit Union compares
NCUA groups credit unions by size; Utah Heritage Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 12.36% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 2.51%, is higher than the group median of 0.70%. Loans fell 1.8% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 20 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 | $167 million | 9,035 | $110 million | 12.36% | 2.51% |
| Q1 2026 | $161 million | 8,889 | $111 million | 12.35% | 2.31% |
| Q4 2025 | $160 million | 8,609 | $111 million | 12.04% | 2.46% |
| Q3 2025 | $155 million | 8,866 | $108 million | 11.94% | 1.95% |
| Q2 2025 | $154 million | 8,936 | $112 million | 11.60% | 1.77% |
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 45,000 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 6 sites for Utah Heritage Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- EPHRAIM BRANCH
268 S Main St, Ephraim, UT 84627 - MT PLEASANT BRANCH
570 W Horseshoe Mountain Ln, Mt Pleasant, UT 84647 - MORONI OFFICE (main office)
84 W Main St, Moroni, UT 84646 - GUNNISON OFFICE
520 S Main St, Gunnison, UT 84634 - MORONI OPERATIONS CENTER
62 W Main St, Moroni, UT 84646 - CU Answers
6000 28Th St Se, Grand Rapids, MI 49546
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