Side-by-side · Q2 2026 data
Central Bank vs Utah Heritage Credit Union
Metric by metric
| Measure | Central Bank | Utah Heritage Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 74 |
| Loan quality | 84 (stronger) | 16 |
| Earnings | 100 (stronger) | 85 |
| Funding & liquidity | 58 | 84 (stronger) |
| Problem-loan coverage | 95 (stronger) | 73 |
| Peer percentile | 99th | 29th |
| Total assets | $2.2B | $166.7M |
| Deposits / shares | $1.8B | $144.0M |
| Capital ratio | 15.42% (stronger) | 12.36% |
| Problem loans | 0.47% (stronger) | 2.51% |
| Net charge-offs | 0.14% (stronger) | 0.17% |
| Return on assets | 2.06% (stronger) | 1.64% |
| Loans ÷ deposits | 74.3% (stronger) | 76.5% |
| Uninsured deposits | 39.9% | 15.0% (stronger) |
| Offices | 13 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | — |
Central Bank has the higher TellerScore (89 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Central Bank leads on 6 and Utah Heritage Credit Union on 1. 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.