Side-by-side · Q2 2026 data
Utah Independent Bank vs Utah Heritage Credit Union
Metric by metric
| Measure | Utah Independent Bank | Utah Heritage Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 74 |
| Loan quality | 39 (stronger) | 16 |
| Earnings | 100 (stronger) | 85 |
| Funding & liquidity | 70 | 84 (stronger) |
| Problem-loan coverage | 84 (stronger) | 73 |
| Peer percentile | 75th | 29th |
| Total assets | $170.9M | $166.7M |
| Deposits / shares | $143.2M | $144.0M |
| Capital ratio | 16.31% (stronger) | 12.36% |
| Problem loans | 1.82% (stronger) | 2.51% |
| Net charge-offs | -0.07% (stronger) | 0.17% |
| Return on assets | 3.43% (stronger) | 1.64% |
| Loans ÷ deposits | 83.6% | 76.5% (stronger) |
| Uninsured deposits | 20.8% | 15.0% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Utah Independent Bank has the higher TellerScore (79 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Utah Independent Bank leads on 5 and Utah Heritage Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.