Side-by-side · Q2 2026 data
Utah Independent Bank vs S E a Credit Union
Metric by metric
| Measure | Utah Independent Bank | S E a Credit Union |
|---|---|---|
| TellerScore | 79 | 87 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 39 | 100 (stronger) |
| Earnings | 100 (stronger) | 45 |
| Funding & liquidity | 70 | 88 (stronger) |
| Problem-loan coverage | 84 | 100 (stronger) |
| Peer percentile | 75th | 83rd |
| Total assets | $170.9M | $7.4M |
| Deposits / shares | $143.2M | $6.0M |
| Capital ratio | 16.31% | 19.08% (stronger) |
| Problem loans | 1.82% | 0.00% (stronger) |
| Net charge-offs | -0.07% (stronger) | 0.00% |
| Return on assets | 3.43% (stronger) | 0.63% |
| Loans ÷ deposits | 83.6% | 71.8% (stronger) |
| Uninsured deposits | 20.8% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
S E a Credit Union has the higher TellerScore (87 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Utah Independent Bank leads on 2 and S E a 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.