Side-by-side · Q2 2026 data
Bank of the Sierra vs Valley Oak Credit Union
Credit union
Valley Oak Credit Union
Three Rivers, California · Under $100 million in assets
Metric by metric
| Measure | Bank of the Sierra | Valley Oak Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 49 |
| Capital cushion | 72 (stronger) | 18 |
| Loan quality | 86 (stronger) | 76 |
| Earnings | 73 (stronger) | 19 |
| Funding & liquidity | 63 | 82 (stronger) |
| Problem-loan coverage | 96 (stronger) | 84 |
| Peer percentile | 83rd | 8th |
| Total assets | $3.7B | $82.2M |
| Deposits / shares | $2.9B | $74.6M |
| Capital ratio | 12.25% (stronger) | 6.85% |
| Problem loans | 0.43% (stronger) | 0.71% |
| Net charge-offs | 0.02% (stronger) | 0.34% |
| Return on assets | 1.33% (stronger) | -0.03% |
| Loans ÷ deposits | 82.9% | 78.1% (stronger) |
| Uninsured deposits | 27.9% | 1.5% (stronger) |
| Offices | 34 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of the Sierra has the higher TellerScore (77 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Bank of the Sierra leads on 5 and Valley Oak 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.
Where both have branches
- Three Rivers, CA
- Visalia, CA
- Tulare, CA