Utility Employees vs Puget Sound Refinery
Comparing a Credit Union in Aberdeen, WA with a Credit Union in Anacortes, WA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Utility Employees ↗ Credit Union · Aberdeen, WA · Est. 1936 | Puget Sound Refinery ↗ Credit Union · Anacortes, WA · Est. 1954 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Aberdeen, WA | Anacortes, WA |
| Total assets | $3.2M | $17.4M |
| Net worth ratio | 19.0% | 15.5% |
| Return on assets | 1.6% | 1.1% |
| Shares & deposits | — | — |
| Members | 377 | 1,068 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 75 | #4 of 75 |
| Established | 1936 | 1954 |
Utility Employees
- Assets: $3.2M
- Members: 377
- Capital ratio: 19.0%
- Return on assets: 1.6%
- CFPB complaints: 0
- State rank: #1 of 75
Puget Sound Refinery
- Assets: $17.4M
- Members: 1,068
- Capital ratio: 15.5%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #4 of 75
Are both institutions federally insured?
Yes. Utility Employees is NCUA-insured and Puget Sound Refinery 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, Utility Employees or Puget Sound Refinery?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Utility Employees 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 Utility Employees safe?
Yes — Utility Employees is NCUA-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 Puget Sound Refinery safe?
Yes — Puget Sound Refinery 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 Utility Employees vs Puget Sound Refinery?
Utility Employees has a net worth ratio of 19.0%, placing it in the top 26% of <$100M peers. Puget Sound Refinery's ratio is 15.5%, placing it in the top 41% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Utility Employees have compared to Puget Sound Refinery?
The CFPB database shows 0 complaints against Utility Employees, and 0 complaints against Puget Sound Refinery. 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 Utility Employees with other Credit Unions in Washington
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
