Utilization refers to how many cuda cores are running. They may all be utilized at once, but they are not necessarily processing data at their maximum speed.
Yopur temps look good,i would personally lower that Vcore (if the value is true) and get a bit lower temps on the cpu but it's not needed.
how would i lower the vcore value and i was questioning all this because ive been playing borderrlands 2 and i randomly drop to about 20 frames and its making me cringe because im almost positive this computer can handle it