Eye test will end up determining who gets in as usual, but if comparing resumes:
Bama has zero ranked wins, with a chance to get one against Auburn (15). They have the best loss, LSU (1).
Utah has zero ranked wins, with a chance to get one in the Pac12 title game. They have an ok loss, USC (23). Also will have played an extra game compared to Bama.
Oklahoma has two ranked wins, Baylor (14) and Iowa St (22), with a chance to get two more: Ok St (21) and Big 12 title game (Baylor). Extra game compared to Bama. Worst loss to unranked KSU.