Side-by-side · Q2 2026 data
Gibbons and Reed Employees Federal Credit Union vs Goldenwest 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 | Gibbons and Reed Employees Federal Credit Union | Goldenwest Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 81 (stronger) |
| Capital cushion | 100 (stronger) | 82 |
| Loan quality | 51 | 84 (stronger) |
| Earnings | 55 | 83 (stronger) |
| Funding & liquidity | 100 (stronger) | 65 |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 59th | 89th |
| Total assets | $6.5M | $4.3B |
| Deposits / shares | $5.3M | $3.7B |
| Capital ratio | 17.64% (stronger) | 13.20% |
| Problem loans | 1.47% | 0.47% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.27% |
| Return on assets | 0.87% | 1.57% (stronger) |
| Loans ÷ deposits | 30.9% (stronger) | 94.9% |
| Uninsured deposits | 0.0% (stronger) | 14.5% |
| Offices | 3 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Goldenwest Federal Credit Union has the higher TellerScore (81 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Gibbons and Reed Employees Federal Credit Union leads on 4 and Goldenwest 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.