Side-by-side · Q2 2026 data
State Bank of Southern Utah vs Mountain America Federal Credit Union
Metric by metric
| Measure | State Bank of Southern Utah | Mountain America Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 56 |
| Capital cushion | 70 (stronger) | 46 |
| Loan quality | 84 (stronger) | 57 |
| Earnings | 90 (stronger) | 55 |
| Funding & liquidity | 64 | 65 (stronger) |
| Problem-loan coverage | 95 (stronger) | 76 |
| Peer percentile | 88th | 25th |
| Total assets | $2.7B | $22.9B |
| Deposits / shares | $2.4B | $20.3B |
| Capital ratio | 12.04% (stronger) | 9.55% |
| Problem loans | 0.47% (stronger) | 1.30% |
| Net charge-offs | 0.27% (stronger) | 1.20% |
| Return on assets | 1.76% (stronger) | 0.87% |
| Loans ÷ deposits | 79.3% (stronger) | 92.4% |
| Uninsured deposits | 29.9% | 17.4% (stronger) |
| Offices | 17 | 64 |
| CFPB complaints (3 yrs) | — | 612 |
| Complaints per $1B deposits | — | 30.1 |
| Mortgage denial rate (HMDA) | 11.2% | 45.0% |
State Bank of Southern Utah has the higher TellerScore (79 vs 56). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Southern Utah leads on 6 and Mountain America Federal Credit Union on 1. 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.
Where both have branches
- Saint George, UT
- Cedar City, UT
- Hurricane, UT
- Kanab, UT
- Richfield, UT