Side-by-side · Q2 2026 data
Desert Rivers Federal Credit Union vs Utah Heritage Credit Union
Metric by metric
| Measure | Desert Rivers Federal Credit Union | Utah Heritage Credit Union |
|---|---|---|
| TellerScore | 50 | 63 (stronger) |
| Capital cushion | 34 | 74 (stronger) |
| Loan quality | 55 (stronger) | 16 |
| Earnings | 40 | 85 (stronger) |
| Funding & liquidity | 70 | 84 (stronger) |
| Problem-loan coverage | 74 (stronger) | 73 |
| Peer percentile | 6th | 29th |
| Total assets | $116.7M | $166.7M |
| Deposits / shares | $106.4M | $144.0M |
| Capital ratio | 8.44% | 12.36% (stronger) |
| Problem loans | 1.34% (stronger) | 2.51% |
| Net charge-offs | 0.77% | 0.17% (stronger) |
| Return on assets | 0.51% | 1.64% (stronger) |
| Loans ÷ deposits | 90.7% | 76.5% (stronger) |
| Uninsured deposits | 2.1% (stronger) | 15.0% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Utah Heritage Credit Union has the higher TellerScore (63 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Desert Rivers Federal Credit Union leads on 2 and Utah Heritage Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.