Side-by-side · Q2 2026 data
Elevate Federal Credit Union vs Utah Heritage Credit Union
Metric by metric
| Measure | Elevate Federal Credit Union | Utah Heritage Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 74 |
| Loan quality | 92 (stronger) | 16 |
| Earnings | 93 (stronger) | 85 |
| Funding & liquidity | 83 | 84 (stronger) |
| Problem-loan coverage | 99 (stronger) | 73 |
| Peer percentile | 98th | 29th |
| Total assets | $260.3M | $166.7M |
| Deposits / shares | $205.0M | $144.0M |
| Capital ratio | 20.93% (stronger) | 12.36% |
| Problem loans | 0.24% (stronger) | 2.51% |
| Net charge-offs | 0.27% | 0.17% (stronger) |
| Return on assets | 1.83% (stronger) | 1.64% |
| Loans ÷ deposits | 76.9% | 76.5% (stronger) |
| Uninsured deposits | 6.1% (stronger) | 15.0% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Elevate Federal Credit Union has the higher TellerScore (94 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Elevate Federal Credit Union leads on 5 and Utah Heritage Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.