Unverified listing What this means
The Lender Report built this page from public records. Utah Community Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Utah Community Credit Union itself. Each figure shows its source and date. Work at Utah Community Credit Union? You can claim this page for free.
Credit union, Provo, UT
Utah Community Credit Union
A credit union based in Provo, UT. Its commercial book is mostly non-owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $961M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 68
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 10
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $4.04B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 801-223-8188 From the NCUA record, June 30, 2026.
- Website
- www.uccu.comFrom the NCUA record, November 9, 2026.
- Names it files under
- UTAH COMMUNITY; Utah Community FCUNCUA 5300,
- Address
- 360 W 4800 N, Provo, UT 84604NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Multiple common bond - other. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Utah Community Credit Union originated 16 multifamily loans in 2025, versus 11 in 2024. HMDA,
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 17.3% to $584.2M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 31.4% to $189.2M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Multifamily balance rose 29.9% to $132M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Jan 2026 | Utah | SBA 504, Retail Trade | $530K | 25 yr | SBA FOIA | ||
| 2025 | Utah County, UT | Cash-out refinance, 25 to 49 units | $5.4M | 6.25% | 10 yr | 52% | HMDA 2025 |
| 2025 | Salt Lake County, UT | Purchase, 5 to 24 units | $5.2M | 5.88% | 9 yr | 52% | HMDA 2025 |
| 2025 | Salt Lake County, UT | Refinance, 5 to 24 units | $5M | 6.5% | 2 yr | 40% | HMDA 2025 |
| 2025 | Salt Lake County, UT | Purchase, 5 to 24 units | $3.3M | 6.25% | 10 yr | 75% | HMDA 2025 |
| 2025 | Utah County, UT | Refinance, 5 to 24 units | $2.4M | 6.38% | 10 yr | HMDA 2025 | |
| 2025 | Salt Lake County, UT | Purchase, 5 to 24 units | $2.4M | 6.25% | 10 yr | 65% | HMDA 2025 |
| 2025 | Salt Lake County, UT | Purchase, 5 to 24 units | $2.4M | 6.38% | 10 yr | HMDA 2025 | |
| 2025 | Utah County, UT | Cash-out refinance, 50 to 99 units | $1.5M | 6.38% | 2 yr | HMDA 2025 | |
| 2025 | Utah County, UT | Purchase, 5 to 24 units | $1.3M | 6.38% | 10 yr | HMDA 2025 | |
| 2025 | Utah County, UT | Cash-out refinance, 5 to 24 units | $1.1M | 6.25% | 2 yr | HMDA 2025 | |
| 2025 | Utah County, UT | Refinance, 5 to 24 units | $1.1M | 6.75% | 10 yr | 64% | HMDA 2025 |
| 2025 | Utah | Refinance, 5 to 24 units | $960K | 6.13% | 9 yr | 48% | HMDA 2025 |
| 2025 | Salt Lake County, UT | Refinance, 5 to 24 units | $920K | 6.38% | 10 yr | 32% | HMDA 2025 |
| 2025 | Salt Lake County, UT | Refinance, 5 to 24 units | $780K | 6.5% | 10 yr | HMDA 2025 | |
| 2025 | Salt Lake County, UT | Refinance, 5 to 24 units | $620K | 6.25% | HMDA 2025 | ||
| 2025 | Utah County, UT | Purchase, 5 to 24 units | $540K | 6.25% | 10 yr | 63% | HMDA 2025 |
| Aug 2025 | Utah | SBA 504, Lessors of Miniwarehouses and Self-Storage Units | $660K | 25 yr | SBA FOIA | ||
| 2024 | Salt Lake County, UT | Improvement, 50 to 99 units | $18M | 4.5% | 10 yr | HMDA 2024 | |
| 2024 | Utah | Purchase, 5 to 24 units | $3M | 7.24% | 10 yr | HMDA 2024 | |
| 2024 | Utah | Refinance, 5 to 24 units | $2.8M | 7.13% | 25 yr | 57% | HMDA 2024 |
| 2024 | Utah | Refinance, 5 to 24 units | $2.4M | 7.38% | 10 yr | HMDA 2024 | |
| 2024 | Utah County, UT | Purchase, 5 to 24 units | $2.4M | 6.87% | 9 yr | 48% | HMDA 2024 |
| 2024 | Utah County, UT | Purchase, 5 to 24 units | $2.4M | 7% | 10 yr | 41% | HMDA 2024 |
| 2024 | Utah | Refinance, 5 to 24 units | $2.4M | 7.38% | 10 yr | HMDA 2024 | |
| 16 multifamily loans made in 2025 | $34.9M | HMDA 2025 | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $132M | 4.0% | +29.9% | 74 | $1.78M |
| Construction and land development | $55.7M | 1.7% | +11.3% | 15 | $3.71M |
| Owner-occupied CRE | $189M | 5.8% | +31.4% | 164 | $1.15M |
| Non-owner-occupied CRE | $584M | 17.9% | +17.3% | 369 | $1.58M |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $160K | 0.0% | -91.3% | 4 | $40.1K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $961M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $617M |
| Q4 2023 | $630M |
| Q1 2024 | $654M |
| Q2 2024 | $697M |
| Q3 2024 | $711M |
| Q4 2024 | $725M |
| Q1 2025 | $772M |
| Q2 2025 | $795M |
| Q3 2025 | $824M |
| Q4 2025 | $880M |
| Q1 2026 | $943M |
| Q2 2026 | $961M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 16 | $34.9M | $1.41M | $5.4M | HMDA, |
| Multifamily, 5 or more units | 2024 | 11 | $39.7M | $2.40M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 44 | $24.3M | $325K | HMDA, | |
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 10 | $9.56M | $596K | $4.3M | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 68 | $151M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 9 | $26.9M | NCUA 5300, | ||
| Construction | First half of 2026 | 4 | $19.2M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 24 | $45.7M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 31 | $59.2M | NCUA 5300, | ||
| C&I | First half of 2026 | 2 | $125K | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $3.71M |
| Multifamily | $1.78M |
| Owner-occupied CRE | $1.15M |
| Non-owner-occupied CRE | $1.58M |
| Commercial and industrial | $40.1K |
Programs on record: Federal Home Loan Bank member, Des Moines district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Utah HQ | 28 | 16 | 44 | 0 | 10 |
| County | Recorded loans | Dollars |
|---|---|---|
| Utah County, UT | 13 | $24.0M |
| Salt Lake County, UT | 9 | $39.0M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Provo-Orem-Lehi, UT | 13 | $24.0M |
| Salt Lake City-Murray, UT | 9 | $39.0M |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $495M | $144M to $531M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $961M | $173M to $1.14B across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 194.0% | 37.7% to 256.4% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $61.5M | $16.1M to $85.8M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 188.2% | 29.4% to 265.4% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 80.5% | 68.0% to 89.6% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Of 27 multifamily loans with a known channel in 2024 to 2025, 1 (3.7%) came through a third party. HMDA,
Third party includes correspondents as well as brokers. No figure here means no evidence, not a refusal.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Goldenwest Credit Union | UT | $4.33B | $1.04B |
| Canyon View Credit Union | UT | $2.15B | $550M |
| Utah First Credit Union | UT | $1.17B | $362M |
| Cyprus Credit Union | UT | $2.08B | $255M |
| Deseret First Credit Union | UT | $1.27B | $227M |
| Advia Credit Union | MI | $4.06B | $693M |
| Rivermark Community Credit Union | OR | $3.26B | $292M |
| All in Credit Union | AL | $3.73B | $161M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers on any given deal. The public record shows only that some loans came through a third party.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Utah Community Credit Union, NCUA charter 10709. Compare it with the regulator's record. [NCUA profile]
- Balances. $4.04B in total assets and $961M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 68 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 81 loans in HMDA and SBA files, through September 30, 2026: 16 HMDA multifamily 2025, 11 HMDA multifamily 2024, 44 HMDA 1-4 unit investor 2025, 10 SBA 504 first liens in 36 months. [How each file was tied to Utah Community Credit Union]
- Phone and website. Phone 801-223-8188, from the NCUA record. Website uccu.com, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 10709
- RSSD
- 186883
- LEI
- 549300BOLK89ZL7BNX85
- The Lender Report ID
- lr_000465
- Main office county
- Utah
- Members
- 278,217
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $4B in total assets as of June 30, 2026 (NCUA 5300).
- Held $961.2M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $584.2M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 17.3% from a year earlier (NCUA 5300).
- Held $189.2M of owner-occupied commercial real estate loans as of June 30, 2026, up 31.4% from a year earlier (NCUA 5300).
- Held $132M of multifamily loans as of June 30, 2026, up 29.9% from a year earlier (NCUA 5300).
- Originated 16 multifamily loans totaling $34.9M in 2025 (HMDA).
6 more sentences
- Originated 11 multifamily loans totaling $39.7M in 2024 (HMDA).
- Originated 44 1-4 unit investor or business-purpose loans totaling $24.3M in 2025 (HMDA).
- Provided the first lien on 10 SBA 504 projects with $9.6M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Originated 68 real-estate-secured commercial loans totaling $151M in the first half of 2026 (NCUA 5300).
- Held $2.6M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 28 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, Utah Community Credit Union, https://lender.report/lender/utah-community-credit-union-ut/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Utah Community Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem