Side-by-side · Q2 2026 data
Utah Community Federal Credit Union vs Utah Heritage Credit Union
Metric by metric
| Measure | Utah Community Federal Credit Union | Utah Heritage Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 63 |
| Capital cushion | 57 | 74 (stronger) |
| Loan quality | 87 (stronger) | 16 |
| Earnings | 81 | 85 (stronger) |
| Funding & liquidity | 61 | 84 (stronger) |
| Problem-loan coverage | 94 (stronger) | 73 |
| Peer percentile | 72nd | 29th |
| Total assets | $4.0B | $166.7M |
| Deposits / shares | $3.4B | $144.0M |
| Capital ratio | 10.69% | 12.36% (stronger) |
| Problem loans | 0.38% (stronger) | 2.51% |
| Net charge-offs | 0.31% | 0.17% (stronger) |
| Return on assets | 1.53% | 1.64% (stronger) |
| Loans ÷ deposits | 95.2% | 76.5% (stronger) |
| Uninsured deposits | 18.6% | 15.0% (stronger) |
| Offices | 23 | 5 |
| 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 63). On the 7 directional measures above (where higher or lower is clearly better), Utah Community Federal Credit Union leads on 2 and Utah Heritage Credit Union on 5. 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.