Side-by-side · Q2 2026 data
Gibbons and Reed Employees Federal Credit Union vs Varex Federal Credit Union
Credit union
Gibbons and Reed Employees Federal Credit Union
Salt Lake City, Utah · Under $100 million in assets
Credit union
Varex Federal Credit Union
Salt Lake City, Utah · Under $100 million in assets
Metric by metric
| Measure | Gibbons and Reed Employees Federal Credit Union | Varex Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 85 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 51 | 98 (stronger) |
| Earnings | 55 (stronger) | 36 |
| Funding & liquidity | 100 (stronger) | 89 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 59th | 77th |
| Total assets | $6.5M | $16.5M |
| Deposits / shares | $5.3M | $13.3M |
| Capital ratio | 17.64% | 19.05% (stronger) |
| Problem loans | 1.47% | 0.07% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.25% |
| Return on assets | 0.87% (stronger) | 0.41% |
| Loans ÷ deposits | 30.9% (stronger) | 71.1% |
| Uninsured deposits | 0.0% (stronger) | 3.1% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Varex Federal Credit Union has the higher TellerScore (85 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 Varex Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.