Side-by-side · Q2 2026 data
State Bank of Southern Utah vs Utah Community Federal Credit Union
Metric by metric
| Measure | State Bank of Southern Utah | Utah Community Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 74 |
| Capital cushion | 70 (stronger) | 57 |
| Loan quality | 84 | 87 (stronger) |
| Earnings | 90 (stronger) | 81 |
| Funding & liquidity | 64 (stronger) | 61 |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 88th | 72nd |
| Total assets | $2.7B | $4.0B |
| Deposits / shares | $2.4B | $3.4B |
| Capital ratio | 12.04% (stronger) | 10.69% |
| Problem loans | 0.47% | 0.38% (stronger) |
| Net charge-offs | 0.27% (stronger) | 0.31% |
| Return on assets | 1.76% (stronger) | 1.53% |
| Loans ÷ deposits | 79.3% (stronger) | 95.2% |
| Uninsured deposits | 29.9% | 18.6% (stronger) |
| Offices | 17 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.2% | 18.3% |
State Bank of Southern Utah has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Southern Utah leads on 5 and Utah Community Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.