Cache Valley Bank vs Nephi Western Employees
Comparing a Bank in Logan, UT with a Credit Union in Nephi, UT using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Cache Valley Bank ↗ Bank · Logan, UT · Est. 1975 | Nephi Western Employees ↗ Credit Union · Nephi, UT · Est. 1950 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Logan, UT | Nephi, UT |
| Total assets | $3.5B | $46.1M |
| Capital ratio | 10.1% | 34.3% |
| Return on assets | 1.8% | 1.4% |
| Deposits | $3.1B | — |
| Branches | 24 | 2,916 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 42 | #1 of 52 |
| Established | 1975 | 1950 |
Cache Valley Bank
- Assets: $3.5B
- Deposits: $3.1B
- Capital ratio: 10.1%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #3 of 42
Nephi Western Employees
- Assets: $46.1M
- Members: 2,916
- Capital ratio: 34.3%
- Return on assets: 1.4%
- CFPB complaints: 0
- State rank: #1 of 52
Are both institutions federally insured?
Yes. Cache Valley Bank is FDIC-insured and Nephi Western Employees is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Cache Valley Bank or Nephi Western Employees?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Cache Valley Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Cache Valley Bank safe?
Yes — Cache Valley Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Nephi Western Employees safe?
Yes — Nephi Western Employees is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Cache Valley Bank vs Nephi Western Employees?
Cache Valley Bank has a capital ratio of 10.1%, placing it in the bottom 47% of $1B–10B peers. Nephi Western Employees's ratio is 34.3%, placing it in the top 4% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Cache Valley Bank have compared to Nephi Western Employees?
The CFPB database shows 0 complaints against Cache Valley Bank, and 0 complaints against Nephi Western Employees. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Cache Valley Bank with other Banks in Utah
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
