Side-by-side · Q2 2026 data
Utah Community Federal Credit Union vs North Sanpete Federal Credit Union
Credit union
North Sanpete Federal Credit Union
Fairview, Utah · Under $100 million in assets
Metric by metric
| Measure | Utah Community Federal Credit Union | North Sanpete Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 89 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 87 | 100 (stronger) |
| Earnings | 81 (stronger) | 63 |
| Funding & liquidity | 61 | 79 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 72nd | 87th |
| Total assets | $4.0B | $1.2M |
| Deposits / shares | $3.4B | $929K |
| Capital ratio | 10.69% | 23.47% (stronger) |
| Problem loans | 0.38% | 0.00% (stronger) |
| Net charge-offs | 0.31% | 0.00% (stronger) |
| Return on assets | 1.53% (stronger) | 1.06% |
| Loans ÷ deposits | 95.2% | 81.5% (stronger) |
| Uninsured deposits | 18.6% | 0.0% (stronger) |
| Offices | 23 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | — |
North Sanpete Federal Credit Union has the higher TellerScore (89 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Utah Community Federal Credit Union leads on 1 and North Sanpete Federal Credit Union on 6. 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.