Side-by-side · Q2 2026 data
Bank of South Texas vs Valley Federal Credit Union
Metric by metric
| Measure | Bank of South Texas | Valley Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 76 |
| Loan quality | 92 (stronger) | 85 |
| Earnings | 64 (stronger) | 32 |
| Funding & liquidity | 67 | 90 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 90th | 60th |
| Total assets | $174.5M | $119.1M |
| Deposits / shares | $141.1M | $102.9M |
| Capital ratio | 16.63% (stronger) | 12.61% |
| Problem loans | 0.23% (stronger) | 0.46% |
| Net charge-offs | 0.00% (stronger) | 0.66% |
| Return on assets | 1.10% (stronger) | 0.29% |
| Loans ÷ deposits | 88.2% | 70.5% (stronger) |
| Uninsured deposits | 19.7% | 2.9% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of South Texas has the higher TellerScore (86 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Bank of South Texas leads on 5 and Valley Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.