Side-by-side · Q2 2026 data
American United Federal Credit Union vs Granite Federal Credit Union
Credit union
American United Federal Credit Union
West Jordan, Utah · $100 million – $1 billion
Metric by metric
| Measure | American United Federal Credit Union | Granite Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 63 (stronger) |
| Capital cushion | 65 (stronger) | 50 |
| Loan quality | 58 | 82 (stronger) |
| Earnings | 36 | 40 (stronger) |
| Funding & liquidity | 73 (stronger) | 69 |
| Problem-loan coverage | 82 | 92 (stronger) |
| Peer percentile | 21st | 29th |
| Total assets | $382.7M | $918.4M |
| Deposits / shares | $337.3M | $766.2M |
| Capital ratio | 11.48% (stronger) | 10.04% |
| Problem loans | 1.25% | 0.54% (stronger) |
| Net charge-offs | 1.00% | 0.50% (stronger) |
| Return on assets | 0.39% | 0.50% (stronger) |
| Loans ÷ deposits | 87.6% (stronger) | 91.6% |
| Uninsured deposits | 8.3% | 7.4% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 45.5% | 21.6% |
Granite Federal Credit Union has the higher TellerScore (63 vs 60). On the 7 directional measures above (where higher or lower is clearly better), American United Federal Credit Union leads on 2 and Granite Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.