Side-by-side · Q2 2026 data
C U P Federal Credit Union 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 | C U P Federal Credit Union | Gibbons and Reed Employees Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 78 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 100 (stronger) | 51 |
| Earnings | 26 | 55 (stronger) |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 40th | 59th |
| Total assets | $10.3M | $6.5M |
| Deposits / shares | $9.2M | $5.3M |
| Capital ratio | 11.11% | 17.64% (stronger) |
| Problem loans | 0.00% (stronger) | 1.47% |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 0.16% | 0.87% (stronger) |
| Loans ÷ deposits | 83.8% | 30.9% (stronger) |
| Uninsured deposits | 3.4% | 0.0% (stronger) |
| Offices | 3 | 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 70). On the 7 directional measures above (where higher or lower is clearly better), C U P Federal Credit Union leads on 2 and Gibbons and Reed Employees Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.