Side-by-side · Q2 2026 data
Utah Community Federal Credit Union vs Goldenwest Federal Credit Union
Metric by metric
| Measure | Utah Community Federal Credit Union | Goldenwest Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 81 (stronger) |
| Capital cushion | 57 | 82 (stronger) |
| Loan quality | 87 (stronger) | 84 |
| Earnings | 81 | 83 (stronger) |
| Funding & liquidity | 61 | 65 (stronger) |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 72nd | 89th |
| Total assets | $4.0B | $4.3B |
| Deposits / shares | $3.4B | $3.7B |
| Capital ratio | 10.69% | 13.20% (stronger) |
| Problem loans | 0.38% (stronger) | 0.47% |
| Net charge-offs | 0.31% | 0.27% (stronger) |
| Return on assets | 1.53% | 1.57% (stronger) |
| Loans ÷ deposits | 95.2% | 94.9% (stronger) |
| Uninsured deposits | 18.6% | 14.5% (stronger) |
| Offices | 23 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | — |
Goldenwest Federal Credit Union has the higher TellerScore (81 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Utah Community Federal Credit Union leads on 1 and Goldenwest Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Salt Lake City, UT
- Orem, UT
- Herriman, UT
- Pleasant Grove, UT
- Spanish Fork, UT
- Payson, UT
- Lehi, UT