Original filing (PDF)20251009185207NAL0007450161001

University First Federal Credit Union

Name: University First Federal Credit Union — University, Form 5500 (2024)
Creator: University First Federal Credit Union
License: https://www.usa.gov/government-works

Form 5500

FILING_RECEIVED

University First Federal Credit Union 401(k) Retirement Plan

401(k) retirement plan · University First Federal Credit Union's University First Federal Credit Union 401(k) Retirement Plan held $37.1M in plan assets for 402 participants in 2024, with Transamerica as recordkeeper.

Active participants

402

Accounts w/ balance

515

Plan assets (EOY)

$37.1M

Net assets (EOY)

$37.1M

How this plan invests

This plan

1 pooled trust

Schedule D

39 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

Above-average plan

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

100

Total plan cost

Plan health

Vendor & structure

100

Knocking points off

Total administrative cost in the bottom quartile of peers (21st percentile).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for UNIVERSITY FIRST FEDERAL CREDIT UNION.

Plan sponsor

Name

UNIVERSITY FIRST FEDERAL CREDIT UNION

EIN

87-0234218all filings

Address

3450 SOUTH HIGHLAND DRIVE SUITE 109 · SALT LAKE CITY, UT · 84106

Phone

(801) 463-3571

Industry

Finance & Insurance

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

002

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-10-09

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2J · 401(k) feature

2T · Default investment account (QDIA)

3D · Pre-approved plan (master / prototype / VS)

Audit & trust (Schedule H)

Auditor

JONES SIMKINS LLC

Trustee / custodian

Service providers (Schedule C)

3 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
TRANSAMERICA RETIREMENT SOLUTIONS	13-3689044	—	RECORDKEEPER	$95K	—
NATIONAL BENEFIT SERVICES	20-3886993	—	RECORDKEEPER	$10K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
D A DAVIDSON & CO

Investments

39 direct securities · 1 pooled fund· $37.1M(100% of reported assets)

Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.

Mutual Funds

$24.7M

29 holdings

Common Collective Trust

$4.7M

1 holding

Other securities

$4.3M

7 holdings

Common Collective Trusts

$2.8M

1 holding

Bonds / Notes

$566K

2 holdings

					% of plan
RELIANCE/METLIFE STABLE 25053 CL 0 METLIFE · EIN 46-6625485 / PN 001	Common Collective Trust	—	—	$4.7M	12.8%
American Funds 2050 Trgt Date Retire R6 n/a	Mutual Funds	—	—	$2.9M	7.8%
Fidelity 500 Index n/a	Common Collective Trusts	—	—	$2.8M	7.6%
Vanguard Growth Index Adm n/a	Mutual Funds	—	—	$2.1M	5.8%
American Funds American Balanced R6 n/a	Mutual Funds	—	—	$2.0M	5.4%
American Funds 2060 Trgt Date Retire R6 n/a	Mutual Funds	—	—	$1.5M	4.1%
American Funds 2040 Trgt Date Retire R6 n/a	Mutual Funds	—	—	$1.4M	3.9%
Columbia Dividend Opportunity Instl2 n/a	Other securities	—	—	$1.4M	3.7%
American Funds 2035 Trgt Date Retire R6 n/a	Mutual Funds	—	—	$1.3M	3.6%
JPMorgan Large Cap Growth R6 n/a	Other securities	—	—	$1.3M	3.6%
American Funds 2055 Trgt Date Retire R6 n/a	Mutual Funds	—	—	$1.3M	3.4%
American Funds 2045 Trgt Date Retire R6 n/a	Mutual Funds	—	—	$1.2M	3.1%
MFS Mid Cap Growth R6 n/a	Mutual Funds	—	—	$1.1M	2.9%
American Funds 2065 Trgt Date Retire R6 n/a	Mutual Funds	—	—	$1.1M	2.9%
American Funds 2030 Trgt Date Retire R6 n/a	Mutual Funds	—	—	$929K	2.5%
Vanguard Mid-Cap Value Index Admiral n/a	Mutual Funds	—	—	$917K	2.5%
Vanguard Value Index Adm n/a	Mutual Funds	—	—	$720K	1.9%
MFS International Diversification R6 n/a	Mutual Funds	—	—	$611K	1.6%
Vanguard Mid Cap Index Adm n/a	Mutual Funds	—	—	$597K	1.6%
Vanguard Small Cap Index Adm n/a	Mutual Funds	—	—	$589K	1.6%
American Funds 2025 Trgt Date Retire R6 n/a	Mutual Funds	—	—	$557K	1.5%
MFS New Discovery R6 n/a	Mutual Funds	—	—	$516K	1.4%
BlackRock High Yield Bond n/a	Other securities	—	—	$512K	1.4%
T Rowe Price Science & Tech n/a	Mutual Funds	—	—	$506K	1.4%
Notes receivable from participants Loans to participants at interest rates ranging from 4.25% to 9.5% with maturities through November 2029.	Bonds / Notes	—	—	$466K	1.3%
Cohen & Steers Real Estate Securities Z n/a	Other securities	—	—	$437K	1.2%
American Funds New Perspective R6 n/a	Mutual Funds	—	—	$411K	1.1%
American Funds Washington Mutual R6 n/a	Mutual Funds	—	—	$408K	1.1%
Vanguard Total Intl Stock Index Admiral n/a	Mutual Funds	—	—	$380K	1.0%
Vanguard Total Bond Market Index Adm n/a	Mutual Funds	—	—	$341K	0.9%
Vanguard Health Care Index Adm n/a	Mutual Funds	—	—	$305K	0.8%
Thornburg Strategic Income R6 n/a	Other securities	—	—	$270K	0.7%
American Funds Bond Fund of America R6 n/a	Mutual Funds	—	—	$259K	0.7%
American Funds 2020 Trgt Date Retire R6 n/a	Mutual Funds	—	—	$256K	0.7%
American Funds New World R6 n/a	Mutual Funds	—	—	$231K	0.6%
Undiscovered Mgrs Behavioral Value R6 n/a	Other securities	—	—	$201K	0.5%
Invesco Oppenheimer International Growth R6 n/a	Mutual Funds	—	—	$171K	0.5%
Thornburg Limited Term Income R6 n/a	Other securities	—	—	$134K	0.4%
Eaton Vance Floating Rate I n/a	Bonds / Notes	—	—	$100K	0.3%
American Funds EuroPacific Gr R6 n/a	Mutual Funds	—	—	$79K	0.2%