Side-by-side · Q2 2026 data
Call Federal Credit Union vs Valleystar Credit Union
Metric by metric
| Measure | Call Federal Credit Union | Valleystar Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 45 |
| Capital cushion | 55 (stronger) | 53 |
| Loan quality | 80 (stronger) | 41 |
| Earnings | 31 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 78 |
| Problem-loan coverage | 94 (stronger) | 76 |
| Peer percentile | 41st | 3rd |
| Total assets | $557.1M | $503.4M |
| Deposits / shares | $497.7M | $406.1M |
| Capital ratio | 10.47% (stronger) | 10.25% |
| Problem loans | 0.60% (stronger) | 1.76% |
| Net charge-offs | 0.12% (stronger) | 0.86% |
| Return on assets | 0.28% (stronger) | -1.05% |
| Loans ÷ deposits | 54.6% (stronger) | 82.0% |
| Uninsured deposits | 8.6% | 7.7% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.6% | 51.4% |
Call Federal Credit Union has the higher TellerScore (67 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Call Federal Credit Union leads on 6 and Valleystar Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.