Side-by-side · Q2 2026 data
Cache Valley Bank vs Utah Heritage Credit Union
Metric by metric
| Measure | Cache Valley Bank | Utah Heritage Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 63 |
| Capital cushion | 57 | 74 (stronger) |
| Loan quality | 90 (stronger) | 16 |
| Earnings | 98 (stronger) | 85 |
| Funding & liquidity | 30 | 84 (stronger) |
| Problem-loan coverage | 95 (stronger) | 73 |
| Peer percentile | 70th | 29th |
| Total assets | $3.5B | $166.7M |
| Deposits / shares | $3.1B | $144.0M |
| Capital ratio | 10.68% | 12.36% (stronger) |
| Problem loans | 0.29% (stronger) | 2.51% |
| Net charge-offs | 0.09% (stronger) | 0.17% |
| Return on assets | 1.96% (stronger) | 1.64% |
| Loans ÷ deposits | 86.5% | 76.5% (stronger) |
| Uninsured deposits | 54.4% | 15.0% (stronger) |
| Offices | 24 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | — |
Cache Valley Bank has the higher TellerScore (73 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Cache Valley Bank leads on 4 and Utah Heritage 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.
Where both have branches
- Ephraim, UT