Side-by-side · Q2 2026 data
Optum Bank, Inc. vs Utah Power Credit Union
Metric by metric
| Measure | Optum Bank, Inc. | Utah Power Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 87 |
| Capital cushion | 82 | 87 (stronger) |
| Loan quality | 93 (stronger) | 91 |
| Earnings | 100 (stronger) | 75 |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 100th | 96th |
| Total assets | $21.4B | $1.1B |
| Deposits / shares | $16.5B | $957.9M |
| Capital ratio | 13.22% | 13.72% (stronger) |
| Problem loans | 0.21% (stronger) | 0.27% |
| Net charge-offs | 0.23% | 0.08% (stronger) |
| Return on assets | 2.55% (stronger) | 1.38% |
| Loans ÷ deposits | 59.7% | 58.0% (stronger) |
| Uninsured deposits | 3.8% (stronger) | 22.4% |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | 654 | — |
| Complaints per $1B deposits | 39.6 | — |
| Mortgage denial rate (HMDA) | — | — |
Optum Bank, Inc. has the higher TellerScore (93 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Optum Bank, Inc. leads on 4 and Utah Power 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.