Side-by-side · Q2 2026 data
Bank of Utah vs Gibbons and Reed Employees Federal Credit Union
Credit union
Gibbons and Reed Employees Federal Credit Union
Salt Lake City, Utah · Under $100 million in assets
Metric by metric
| Measure | Bank of Utah | Gibbons and Reed Employees Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 78 (stronger) |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 95 (stronger) | 51 |
| Earnings | 72 (stronger) | 55 |
| Funding & liquidity | 26 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 77th | 59th |
| Total assets | $3.8B | $6.5M |
| Deposits / shares | $3.0B | $5.3M |
| Capital ratio | 12.74% | 17.64% (stronger) |
| Problem loans | 0.15% (stronger) | 1.47% |
| Net charge-offs | 0.23% | 0.00% (stronger) |
| Return on assets | 1.30% (stronger) | 0.87% |
| Loans ÷ deposits | 99.2% | 30.9% (stronger) |
| Uninsured deposits | 46.4% | 0.0% (stronger) |
| Offices | 18 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gibbons and Reed Employees Federal Credit Union has the higher TellerScore (78 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Bank of Utah leads on 2 and Gibbons and Reed Employees Federal 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.