Side-by-side · Q2 2026 data
Bank Independent vs Valley Credit Union
Metric by metric
| Measure | Bank Independent | Valley Credit Union |
|---|---|---|
| TellerScore | 65 | 84 (stronger) |
| Capital cushion | 48 | 90 (stronger) |
| Loan quality | 93 | 93 |
| Earnings | 45 (stronger) | 42 |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 36th | 86th |
| Total assets | $2.9B | $112.9M |
| Deposits / shares | $2.5B | $98.2M |
| Capital ratio | 9.82% | 13.96% (stronger) |
| Problem loans | 0.22% | 0.20% (stronger) |
| Net charge-offs | 0.24% (stronger) | 0.43% |
| Return on assets | 0.63% (stronger) | 0.55% |
| Loans ÷ deposits | 74.4% | 39.1% (stronger) |
| Uninsured deposits | 42.9% | 3.0% (stronger) |
| Offices | 30 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Valley Credit Union has the higher TellerScore (84 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Bank Independent leads on 2 and Valley Credit Union on 5. 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.
Where both have branches
- Russellville, AL
- Muscle Shoals, AL
- Sheffield, AL
- Tuscumbia, AL