Side-by-side · Q2 2026 data
Bank of Utah vs America First Federal Credit Union
Metric by metric
| Measure | Bank of Utah | America First Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 71 |
| Capital cushion | 77 (stronger) | 68 |
| Loan quality | 95 (stronger) | 52 |
| Earnings | 72 | 89 (stronger) |
| Funding & liquidity | 26 | 79 (stronger) |
| Problem-loan coverage | 98 (stronger) | 80 |
| Peer percentile | 77th | 67th |
| Total assets | $3.8B | $26.0B |
| Deposits / shares | $3.0B | $22.7B |
| Capital ratio | 12.74% (stronger) | 11.80% |
| Problem loans | 0.15% (stronger) | 1.45% |
| Net charge-offs | 0.23% (stronger) | 0.90% |
| Return on assets | 1.30% | 1.72% (stronger) |
| Loans ÷ deposits | 99.2% | 81.2% (stronger) |
| Uninsured deposits | 46.4% | 13.8% (stronger) |
| Offices | 18 | 94 |
| CFPB complaints (3 yrs) | — | 531 |
| Complaints per $1B deposits | — | 23.4 |
| Mortgage denial rate (HMDA) | — | 22.5% |
Bank of Utah has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Bank of Utah leads on 4 and America First Federal Credit Union on 3. 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.