Side-by-side · Q2 2026 data
America First Federal Credit Union vs Utah Power Credit Union
Metric by metric
| Measure | America First Federal Credit Union | Utah Power Credit Union |
|---|---|---|
| TellerScore | 71 | 87 (stronger) |
| Capital cushion | 68 | 87 (stronger) |
| Loan quality | 52 | 91 (stronger) |
| Earnings | 89 (stronger) | 75 |
| Funding & liquidity | 79 | 92 (stronger) |
| Problem-loan coverage | 80 | 98 (stronger) |
| Peer percentile | 67th | 96th |
| Total assets | $26.0B | $1.1B |
| Deposits / shares | $22.7B | $957.9M |
| Capital ratio | 11.80% | 13.72% (stronger) |
| Problem loans | 1.45% | 0.27% (stronger) |
| Net charge-offs | 0.90% | 0.08% (stronger) |
| Return on assets | 1.72% (stronger) | 1.38% |
| Loans ÷ deposits | 81.2% | 58.0% (stronger) |
| Uninsured deposits | 13.8% (stronger) | 22.4% |
| Offices | 94 | 8 |
| CFPB complaints (3 yrs) | 530 | — |
| Complaints per $1B deposits | 23.3 | — |
| Mortgage denial rate (HMDA) | 22.5% | — |
Utah Power Credit Union has the higher TellerScore (87 vs 71). On the 7 directional measures above (where higher or lower is clearly better), America First Federal Credit Union leads on 2 and Utah Power Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.