Side-by-side · Q2 2026 data
Nephi Western Employees Federal Credit Union vs National J. A. C. L. Credit Union
Credit union
Nephi Western Employees Federal Credit Union
Nephi, Utah · Under $100 million in assets
Credit union
National J. A. C. L. Credit Union
Salt Lake City, Utah · Under $100 million in assets
Metric by metric
| Measure | Nephi Western Employees Federal Credit Union | National J. A. C. L. Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 51 |
| Capital cushion | 100 (stronger) | 47 |
| Loan quality | 95 (stronger) | 43 |
| Earnings | 80 (stronger) | 17 |
| Funding & liquidity | 69 | 97 (stronger) |
| Problem-loan coverage | 99 (stronger) | 80 |
| Peer percentile | 89th | 10th |
| Total assets | $46.4M | $38.6M |
| Deposits / shares | $30.3M | $33.6M |
| Capital ratio | 34.45% (stronger) | 9.69% |
| Problem loans | 0.15% (stronger) | 1.71% |
| Net charge-offs | 0.03% (stronger) | 0.15% |
| Return on assets | 1.50% (stronger) | -0.07% |
| Loans ÷ deposits | 91.3% | 63.3% (stronger) |
| Uninsured deposits | 0.7% (stronger) | 1.4% |
| Offices | 0 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Nephi Western Employees Federal Credit Union has the higher TellerScore (90 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Nephi Western Employees Federal Credit Union leads on 6 and National J. A. C. L. Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.