Side-by-side · Q2 2026 data
Utah Community Federal Credit Union vs Deseret First Federal Credit Union
Credit union
Deseret First Federal Credit Union
West Valley Cit, Utah · $1 billion – $10 billion
Metric by metric
| Measure | Utah Community Federal Credit Union | Deseret First Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 60 |
| Capital cushion | 57 (stronger) | 36 |
| Loan quality | 87 (stronger) | 75 |
| Earnings | 81 (stronger) | 56 |
| Funding & liquidity | 61 | 70 (stronger) |
| Problem-loan coverage | 94 (stronger) | 85 |
| Peer percentile | 72nd | 25th |
| Total assets | $4.0B | $1.3B |
| Deposits / shares | $3.4B | $1.1B |
| Capital ratio | 10.69% (stronger) | 8.59% |
| Problem loans | 0.38% (stronger) | 0.75% |
| Net charge-offs | 0.31% (stronger) | 0.33% |
| Return on assets | 1.53% (stronger) | 0.89% |
| Loans ÷ deposits | 95.2% | 90.1% (stronger) |
| Uninsured deposits | 18.6% | 11.3% (stronger) |
| Offices | 23 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | — |
Utah Community Federal Credit Union has the higher TellerScore (74 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Utah Community Federal Credit Union leads on 5 and Deseret First Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.