Side-by-side · Q2 2026 data
Cache Valley Bank vs Education 1st Credit Union
Metric by metric
| Measure | Cache Valley Bank | Education 1st Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 68 |
| Capital cushion | 57 (stronger) | 49 |
| Loan quality | 90 | 98 (stronger) |
| Earnings | 98 (stronger) | 48 |
| Funding & liquidity | 30 | 65 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 70th | 36th |
| Total assets | $3.5B | $61.9M |
| Deposits / shares | $3.1B | $55.6M |
| Capital ratio | 10.68% (stronger) | 9.94% |
| Problem loans | 0.29% | 0.05% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.49% |
| Return on assets | 1.96% (stronger) | 0.69% |
| Loans ÷ deposits | 86.5% (stronger) | 95.3% |
| Uninsured deposits | 54.4% | 6.9% (stronger) |
| Offices | 24 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | — |
Cache Valley Bank has the higher TellerScore (73 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Cache Valley Bank leads on 5 and Education 1st Credit Union on 2. 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.