The values that you are referring to would be able to tell you the percentage of the link being used. 255/255 would be 100% utilization, whereas 125/255 would be 49% of the link. As Rick said, this has no correlation to your bandwidth. You could have a 100Mb circuit and these values would still be the same.
Technically, if you have a T1, you have 1.5Mb up and 1.5Mb down. If you're seeing rxload 255/255, that means you're router is receiving 100% of it's capacity inbound only (1.5Mb). You would still have 100% available to transmit outbound for 1.5Mb. (In your example of txload 1/255)
If you want to look at it as a complete circuit, I would say yes, but it's not entirely correct. You're 100% utilized inbound and 1% utilized outbound. If you want to figure it as a whole circuit, you could add the numbers together and then divide by 510:
txload 1/255 rxload 255/255 (1.5Mb circuit)
1 + 255 = 256 255 + 255 = 510
256 / 510 = 50% (There's your 50%) But again, you would be dropping traffic inbound if the link is 100% saturated on the rxload side, and you'd be able to send files if the txload is still low.....I see 50% utilization as half on both, but there are probably others on the board that see it differently as well.
I would advocate that attempting to present circuit utilization as a single number is a mis-representation of circuit utilization. Trying to reduce utilization to a single number is an appealing concept, and may seem reasonable until you look into the details. As this thread has made clear utilization upstream and utilization downstream are completely separate capacities. Attempting to represent them in a single number is likely to mis-represent one or both of them.
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