Side-by-side · Q2 2026 data
American United Federal Credit Union vs Horizon Utah 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 | Horizon Utah Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 64 (stronger) |
| Capital cushion | 65 | 65 |
| Loan quality | 58 | 70 (stronger) |
| Earnings | 36 (stronger) | 15 |
| Funding & liquidity | 73 | 100 (stronger) |
| Problem-loan coverage | 82 | 92 (stronger) |
| Peer percentile | 21st | 31st |
| Total assets | $382.7M | $185.2M |
| Deposits / shares | $337.3M | $162.2M |
| Capital ratio | 11.48% | 11.54% (stronger) |
| Problem loans | 1.25% | 0.91% (stronger) |
| Net charge-offs | 1.00% (stronger) | 1.08% |
| Return on assets | 0.39% (stronger) | -0.13% |
| Loans ÷ deposits | 87.6% | 55.6% (stronger) |
| Uninsured deposits | 8.3% | 5.3% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 45.5% | 40.0% |
Horizon Utah Federal Credit Union has the higher TellerScore (64 vs 60). On the 7 directional measures above (where higher or lower is clearly better), American United Federal Credit Union leads on 2 and Horizon Utah Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.