# UTAH POWER
Murray, UT · NCUA charter 67132 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/utah-power-67132

Who the members are: state charter, organized 1935. 30,908 members of 39,788 potential (77.7% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 58.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.09B |
| Members | 30,908 (1.0% YoY) |
| Full-time staff | 53 |
| Net worth | $147.1M |
| Net worth ratio | 13.5% (p87 of band) |
| ROA (annualized) | 1.25% (p84 of band) |
| Total delinquency | 0.33% (p18 of band) |
| Net charge-offs (annualized) | 0.11% (p7 of band) |
| Loans / shares | 56% (p5 of band) |
| Cash / assets | 2.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.01% (p3 of band) |
| Operating expense / assets | 1.18% (p2 of band) |
| Vehicles % of loans | 23% (p40 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.42% (p30 of band) |
| Vehicle NCO | 0.28% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 67% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 50% |
| Average share balance | $11,313 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $29,465 |
| Loans granted, annualized | $251.3M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 1 | delinquency rising |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | net worth falling | delinquency rising |
| 2020-06 | 2 | delinquency rising |  |
| 2020-09 | 1 |  | delinquency rising |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | losing money, margin squeeze |  |
| 2022-06 | 1 |  | losing money |
| 2022-09 | 0 |  | margin squeeze |
| 2022-12 | 1 | assets shrinking |  |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | assets shrinking |
| 2023-12 | 2 | net worth falling |  |
| 2024-03 | 4 | losing money, margin squeeze |  |
| 2024-06 | 3 |  | losing money |
| 2024-09 | 1 |  | delinquency rising, margin squeeze |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 | delinquency rising | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 1 | delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-08-28 [Price City and Utah Power Credit Union honor the city’s rich connection to the energy industry with Reddy Kilowatt statue - Castle Country Radio](https://news.google.com/rss/articles/CBMi-wFBVV95cUxQNFdSY3Z2cDVCbXRYQm50OGZDX2xfajdzWkFVSjJJbHR1VmktTGp4LVQ4ZFJoc1RjTlFaYl9jYzRxNVVuOTNRNU83MGpEYzdlR0cwalUzRUFWU245TXBTemd3cU5ZSUZXYk9TR3JYMHB2SWNGZFk5bFdSdjZVaXllVFM1ZXBxNlY5U0NwWHRoWHZWNUF3VlV5X3RCLUc4Qk01OTl4a25HblFialpmTGJ1bmhjZ0dnR0dfUVFFR00xUFk1Vm1MajdQbjgxQ0xJYUU0bzdKZGt6U2x6cW9PLVZmRWh2X0NhYlV2RFBpN0MyU3lJMmk5Sk9PbkFTZw?oc=5) · Castle Country Radio
- 2025-08-28 [Reddy Kilowatt makes his debut - ETV News](https://news.google.com/rss/articles/CBMieEFVX3lxTE9hdjJzUmV1ZVRXeDI1WFptN2pLZ25Nc2hzY1FDY0E3VlVIWXUzNlFOUXJzelB2X1BBMFFxWjdKSGh1YmtUOTl5Y2EyaERlYW1XamxPMW43ZFFtRDZKbXFrNFZmTGZseUtDbk5GeVY2TVhqWlVOaDN6YQ?oc=5) · ETV News
- 2024-12-25 [How Utah’s Christmas Festival has buoyed a changing coal community - High Country News](https://news.google.com/rss/articles/CBMimwFBVV95cUxQdTlBdGdfd01INFhyaTdIM2E2SXlGNzFyMUF6TjFybzR4am1BTzBiUDJTU1NVOWdJOFVzNUUzSVY0TC1tSWxPNnNvWWNsLXRmbTc5VjgxWnFZdEE3NzJQeF9yNlJFVUZXT3RlNFpHcWdLd1NlQ1hkbWFIdHRJbDd5YzlmaTlxUEJ1OHpBMkFfT1g3OHBUYXVLTFJINA?oc=5) · High Country News
- 2013-07-07 [Obituary | Brooke Tomadakis - Mitchell Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTE11TGx0dEZvSEhJWmt1U040cDFZd3p5cTdKczZ5TzFNMFk1Y2pSS2cteTlSbVNvNkdSdDB0MXpoSHlSM2JGWVBRRzhWcUhma2hsR1RHSTBjOFhvSEpWQjBqU2Jn?oc=5) · Mitchell Funeral Home
- 2025-09-22 [Helper community unites to give Gardner Field a fresh coat of paint | KOAl - Price,UT - Castle Country Radio](https://news.google.com/rss/articles/CBMitAFBVV95cUxNS0ZBYnpVV3NuenBmekZSdWFneTJVQVpubzM3b1NWZXJjem1mTTNlY1M5WE1YRHJrdGNaWEcyV0NsdU1qZ1J4V3ZVMWEtQk1vR2plTDZwTkRSMm9vdU41Um90RlJFTnJzZmN3N2RHb2Zkd1h5ck8wWnQ1eHBncjJxZ2l4MkRIX1EyeUJYcDVfajNwWUs0eFN1cUJOMGVYc0VyZXR1SlVhbzVCOVFBYlk2ajZnUTE?oc=5) · Castle Country Radio
- 2019-03-24 [Shauntel Westbrook Obituary (1978 - 2019) - Price, UT - The Salt Lake Tribune - Legacy obituary](https://news.google.com/rss/articles/CBMinAFBVV95cUxPeUZlZGw0N1JjYmxpeFUyeVFNd0JHbWhsRXE4TFl2UWJmMmdnSkdzUVlCb3dQMzJUbUdqTTRMdkFUOXp4dnRHMGZfa09VcWZNS1RycUw3bWF3cWdoZ2JpN18yU2FzRmlmQi12TER5cHdwMnJmY2NlOXVIVkkybDF0RlNncmVHUEV1dE1PTGk0NHlOTFFBZlZqSV9hZWI?oc=5) · Legacy obituary
- 2025-12-09 [Light parade illuminates Main Street - ETV News](https://news.google.com/rss/articles/CBMigAFBVV95cUxOdzBHc2p2UnF1QWJsOURkQkRzM1lydmpYMk9GcnlpbUtJNDBFU3dXMzNjQkxOY2V1UkZZQk4tQ0JhUk5EUkZnenVCNVJGa2VOLW9nOW0tTEJOTExrTFRKakJLdGs3MllyNi1ydmlpLUtFQWdFWEMyNXFtbExVYTdRSw?oc=5) · ETV News
- 2026-04-14 [Castle Gate Cemetery cleanup scheduled for April 18 to honor mining tragedy victims | KOAl - Price,UT - Castle Country Radio](https://news.google.com/rss/articles/CBMiygFBVV95cUxPVzlySjdCWlRhS2k3cDdfRTd3Q3M0cGNlNXk4U21WTEVpekJlLU4zbTdEQ0cycWQ0bmVZdGM2aVVVZDRrcm5TTmtyd3lwR2ZRc3pTY2lZU2ZrQmtlYXY5cklqT25zVjZVRWpCenFnNUFYLVRBVm03NklWTklGNm5adnJ5bXI4MWZBOTFUOEF5NDNDMXJEZ0tKYUUteXd6c1pEOGUzd2hUaDh4Y0VIWnlUb25BVmRmRXo3S21JcTFYN292ZkgzMlYxMXVn?oc=5) · Castle Country Radio

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67132 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/60.json (key "67132", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=67132
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide