Side-by-side · Q2 2026 data
North Sanpete Federal Credit Union vs Utah Heritage Credit Union
Credit union
North Sanpete Federal Credit Union
Fairview, Utah · Under $100 million in assets
Metric by metric
| Measure | North Sanpete Federal Credit Union | Utah Heritage Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 74 |
| Loan quality | 100 (stronger) | 16 |
| Earnings | 63 | 85 (stronger) |
| Funding & liquidity | 79 | 84 (stronger) |
| Problem-loan coverage | 100 (stronger) | 73 |
| Peer percentile | 87th | 29th |
| Total assets | $1.2M | $166.7M |
| Deposits / shares | $929K | $144.0M |
| Capital ratio | 23.47% (stronger) | 12.36% |
| Problem loans | 0.00% (stronger) | 2.51% |
| Net charge-offs | 0.00% (stronger) | 0.17% |
| Return on assets | 1.06% | 1.64% (stronger) |
| Loans ÷ deposits | 81.5% | 76.5% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 15.0% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
North Sanpete Federal Credit Union has the higher TellerScore (89 vs 63). On the 7 directional measures above (where higher or lower is clearly better), North Sanpete Federal Credit Union leads on 5 and Utah Heritage Credit Union on 2. 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.