Side-by-side · Q2 2026 data
Carter Bank & Trust vs Valleystar Credit Union
Metric by metric
| Measure | Carter Bank & Trust | Valleystar Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 45 |
| Capital cushion | 67 (stronger) | 53 |
| Loan quality | 66 (stronger) | 41 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 70 | 78 (stronger) |
| Problem-loan coverage | 86 (stronger) | 76 |
| Peer percentile | 80th | 3rd |
| Total assets | $4.8B | $503.4M |
| Deposits / shares | $4.2B | $406.1M |
| Capital ratio | 11.73% (stronger) | 10.25% |
| Problem loans | 1.01% (stronger) | 1.76% |
| Net charge-offs | -0.82% (stronger) | 0.86% |
| Return on assets | 3.66% (stronger) | -1.05% |
| Loans ÷ deposits | 87.7% | 82.0% (stronger) |
| Uninsured deposits | 17.7% | 7.7% (stronger) |
| Offices | 66 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.0% | 51.4% |
Carter Bank & Trust has the higher TellerScore (76 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Carter Bank & Trust leads on 5 and Valleystar 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
- Danville, VA
- Martinsville, VA
- Roanoke, VA
- Collinsville, VA
- Rocky Mount, VA