Side-by-side · Q2 2026 data
Atlantic Union Bank vs Valleystar Credit Union
Metric by metric
| Measure | Atlantic Union Bank | Valleystar Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 45 |
| Capital cushion | 64 (stronger) | 53 |
| Loan quality | 83 (stronger) | 41 |
| Earnings | 85 (stronger) | 0 |
| Funding & liquidity | 44 | 78 (stronger) |
| Problem-loan coverage | 95 (stronger) | 76 |
| Peer percentile | 83rd | 3rd |
| Total assets | $38.0B | $503.4M |
| Deposits / shares | $30.6B | $406.1M |
| Capital ratio | 11.45% (stronger) | 10.25% |
| Problem loans | 0.50% (stronger) | 1.76% |
| Net charge-offs | 0.03% (stronger) | 0.86% |
| Return on assets | 1.62% (stronger) | -1.05% |
| Loans ÷ deposits | 92.9% | 82.0% (stronger) |
| Uninsured deposits | 36.4% | 7.7% (stronger) |
| Offices | 177 | 6 |
| CFPB complaints (3 yrs) | 132 | — |
| Complaints per $1B deposits | 4.3 | — |
| Mortgage denial rate (HMDA) | 23.3% | 51.4% |
Atlantic Union Bank has the higher TellerScore (73 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Atlantic Union Bank leads on 5 and Valleystar Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.