State Bank Of Southern Utah vs Nephi Western Employees
Comparing a Bank in Cedar City, UT with a Credit Union in Nephi, UT using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| State Bank Of Southern Utah ↗ Bank · Cedar City, UT · Est. 1957 | Nephi Western Employees ↗ Credit Union · Nephi, UT · Est. 1950 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Cedar City, UT | Nephi, UT |
| Total assets | $2.7B | $46.1M |
| Capital ratio | 11.3% | 34.3% |
| Return on assets | 1.8% | 1.4% |
| Deposits | $2.3B | — |
| Branches | 17 | 2,916 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 42 | #1 of 52 |
| Established | 1957 | 1950 |
State Bank Of Southern Utah
- Assets: $2.7B
- Deposits: $2.3B
- Capital ratio: 11.3%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #2 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. State Bank Of Southern Utah 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, State Bank Of Southern Utah or Nephi Western Employees?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — State Bank Of Southern Utah 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 State Bank Of Southern Utah safe?
Yes — State Bank Of Southern Utah 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 State Bank Of Southern Utah vs Nephi Western Employees?
State Bank Of Southern Utah has a capital ratio of 11.3%, placing it in the top 33% 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 State Bank Of Southern Utah have compared to Nephi Western Employees?
The CFPB database shows 0 complaints against State Bank Of Southern Utah, 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 State Bank Of Southern Utah 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.
