Side-by-side · Q2 2026 data
Gibbons and Reed Employees Federal Credit Union vs Education 1st Credit Union
Credit union
Gibbons and Reed Employees Federal Credit Union
Salt Lake City, Utah · Under $100 million in assets
Metric by metric
| Measure | Gibbons and Reed Employees Federal Credit Union | Education 1st Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 49 |
| Loan quality | 51 | 98 (stronger) |
| Earnings | 55 (stronger) | 48 |
| Funding & liquidity | 100 (stronger) | 65 |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 59th | 36th |
| Total assets | $6.5M | $61.9M |
| Deposits / shares | $5.3M | $55.6M |
| Capital ratio | 17.64% (stronger) | 9.94% |
| Problem loans | 1.47% | 0.05% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.49% |
| Return on assets | 0.87% (stronger) | 0.69% |
| Loans ÷ deposits | 30.9% (stronger) | 95.3% |
| Uninsured deposits | 0.0% (stronger) | 6.9% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gibbons and Reed Employees Federal Credit Union has the higher TellerScore (78 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Gibbons and Reed Employees Federal Credit Union leads on 6 and Education 1st 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.