Side-by-side · Q2 2026 data
Altana Federal Credit Union vs Valley Financial Credit Union
Metric by metric
| Measure | Altana Federal Credit Union | Valley Financial Credit Union |
|---|---|---|
| TellerScore | 66 | 71 (stronger) |
| Capital cushion | 62 (stronger) | 57 |
| Loan quality | 68 | 92 (stronger) |
| Earnings | 55 (stronger) | 54 |
| Funding & liquidity | 74 (stronger) | 73 |
| Problem-loan coverage | 87 | 96 (stronger) |
| Peer percentile | 37th | 54th |
| Total assets | $668.3M | $600.9M |
| Deposits / shares | $590.1M | $531.0M |
| Capital ratio | 11.24% (stronger) | 10.68% |
| Problem loans | 0.96% | 0.25% (stronger) |
| Net charge-offs | 0.22% (stronger) | 0.36% |
| Return on assets | 0.89% (stronger) | 0.84% |
| Loans ÷ deposits | 86.5% (stronger) | 87.5% |
| Uninsured deposits | 9.2% | 7.1% (stronger) |
| Offices | 6 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.1% | 23.6% |
Valley Financial Credit Union has the higher TellerScore (71 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Altana Federal Credit Union leads on 4 and Valley Financial Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Billings, MT
- Columbus, MT