Side-by-side · Q2 2026 data
First Electronic Bank vs Gibbons and Reed Employees Federal Credit Union
Credit union
Gibbons and Reed Employees Federal Credit Union
Salt Lake City, Utah · Under $100 million in assets
Metric by metric
| Measure | First Electronic Bank | Gibbons and Reed Employees Federal Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 78 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 51 |
| Earnings | 100 (stronger) | 55 |
| Funding & liquidity | 39 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 96th | 59th |
| Total assets | $502.9M | $6.5M |
| Deposits / shares | $285.6M | $5.3M |
| Capital ratio | 46.82% (stronger) | 17.64% |
| Problem loans | 0.01% (stronger) | 1.47% |
| Net charge-offs | 0.11% | 0.00% (stronger) |
| Return on assets | 7.94% (stronger) | 0.87% |
| Loans ÷ deposits | 71.1% | 30.9% (stronger) |
| Uninsured deposits | 98.3% | 0.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Electronic Bank has the higher TellerScore (91 vs 78). On the 7 directional measures above (where higher or lower is clearly better), First Electronic Bank leads on 4 and Gibbons and Reed Employees Federal 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.