Side-by-side · Q2 2026 data
Argent Federal Credit Union vs Valleystar Credit Union
Metric by metric
| Measure | Argent Federal Credit Union | Valleystar Credit Union |
|---|---|---|
| TellerScore | 68 (stronger) | 45 |
| Capital cushion | 46 | 53 (stronger) |
| Loan quality | 75 (stronger) | 41 |
| Earnings | 59 (stronger) | 0 |
| Funding & liquidity | 95 (stronger) | 78 |
| Problem-loan coverage | 90 (stronger) | 76 |
| Peer percentile | 45th | 3rd |
| Total assets | $571.8M | $503.4M |
| Deposits / shares | $517.4M | $406.1M |
| Capital ratio | 9.55% | 10.25% (stronger) |
| Problem loans | 0.75% (stronger) | 1.76% |
| Net charge-offs | 0.47% (stronger) | 0.86% |
| Return on assets | 0.99% (stronger) | -1.05% |
| Loans ÷ deposits | 64.8% (stronger) | 82.0% |
| Uninsured deposits | 7.6% (stronger) | 7.7% |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.8% | 51.4% |
Argent Federal Credit Union has the higher TellerScore (68 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Argent Federal Credit Union leads on 6 and Valleystar Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.