Side-by-side · Q2 2026 data
Bank of Utah vs Education 1st Credit Union
Metric by metric
| Measure | Bank of Utah | Education 1st Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 68 |
| Capital cushion | 77 (stronger) | 49 |
| Loan quality | 95 | 98 (stronger) |
| Earnings | 72 (stronger) | 48 |
| Funding & liquidity | 26 | 65 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 77th | 36th |
| Total assets | $3.8B | $61.9M |
| Deposits / shares | $3.0B | $55.6M |
| Capital ratio | 12.74% (stronger) | 9.94% |
| Problem loans | 0.15% | 0.05% (stronger) |
| Net charge-offs | 0.23% (stronger) | 0.49% |
| Return on assets | 1.30% (stronger) | 0.69% |
| Loans ÷ deposits | 99.2% | 95.3% (stronger) |
| Uninsured deposits | 46.4% | 6.9% (stronger) |
| Offices | 18 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Utah has the higher TellerScore (75 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Bank of Utah leads on 4 and Education 1st 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.