Side-by-side · Q2 2026 data
Happen Bank, National Association vs Beckstrand and Associates Credit Union
Credit union
Beckstrand and Associates Credit Union
Salt Lake City, Utah · Under $100 million in assets
Metric by metric
| Measure | Happen Bank, National Association | Beckstrand and Associates Credit Union |
|---|---|---|
| TellerScore | 79 | 93 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 73 | — |
| Earnings | 93 (stronger) | 74 |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 94th | 94th |
| Total assets | $12.5B | $166K |
| Deposits / shares | $10.9B | $115 |
| Capital ratio | 10.98% | 99.93% (stronger) |
| Problem loans | 0.82% | — |
| Net charge-offs | 2.15% | — |
| Return on assets | 1.82% (stronger) | 1.35% |
| Loans ÷ deposits | 63.1% | 0.0% (stronger) |
| Uninsured deposits | 12.0% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Beckstrand and Associates Credit Union has the higher TellerScore (93 vs 79). On the 5 directional measures above (where higher or lower is clearly better), Happen Bank, National Association leads on 1 and Beckstrand and Associates Credit Union on 4. 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.