Side-by-side · Q2 2026 data
Utah Heritage Credit Union vs Members First Credit Union
Metric by metric
| Measure | Utah Heritage Credit Union | Members First Credit Union |
|---|---|---|
| TellerScore | 63 | 95 (stronger) |
| Capital cushion | 74 | 99 (stronger) |
| Loan quality | 16 | 86 (stronger) |
| Earnings | 85 | 93 (stronger) |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 73 | 97 (stronger) |
| Peer percentile | 29th | 98th |
| Total assets | $166.7M | $209.1M |
| Deposits / shares | $144.0M | $175.7M |
| Capital ratio | 12.36% | 14.91% (stronger) |
| Problem loans | 2.51% | 0.43% (stronger) |
| Net charge-offs | 0.17% | 0.10% (stronger) |
| Return on assets | 1.64% | 1.82% (stronger) |
| Loans ÷ deposits | 76.5% | 54.8% (stronger) |
| Uninsured deposits | 15.0% | 5.2% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members First Credit Union has the higher TellerScore (95 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Utah Heritage Credit Union leads on 0 and Members First Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.