Side-by-side · Q2 2026 data
Bank of Botetourt vs Valleystar Credit Union
Metric by metric
| Measure | Bank of Botetourt | Valleystar Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 45 |
| Capital cushion | 60 (stronger) | 53 |
| Loan quality | 92 (stronger) | 41 |
| Earnings | 92 (stronger) | 0 |
| Funding & liquidity | 66 | 78 (stronger) |
| Problem-loan coverage | 96 (stronger) | 76 |
| Peer percentile | 75th | 3rd |
| Total assets | $939.4M | $503.4M |
| Deposits / shares | $821.5M | $406.1M |
| Capital ratio | 11.00% (stronger) | 10.25% |
| Problem loans | 0.25% (stronger) | 1.76% |
| Net charge-offs | 0.05% (stronger) | 0.86% |
| Return on assets | 1.80% (stronger) | -1.05% |
| Loans ÷ deposits | 94.3% | 82.0% (stronger) |
| Uninsured deposits | 13.5% | 7.7% (stronger) |
| Offices | 14 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | 51.4% |
Bank of Botetourt has the higher TellerScore (79 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Bank of Botetourt leads on 5 and Valleystar Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.