Side-by-side · Q2 2026 data
Cedar Valley Bank & Trust vs Waterloo Firemen'S Credit Union
Metric by metric
| Measure | Cedar Valley Bank & Trust | Waterloo Firemen'S Credit Union |
|---|---|---|
| TellerScore | 54 | 90 (stronger) |
| Capital cushion | 40 | 83 (stronger) |
| Loan quality | 58 | 100 (stronger) |
| Earnings | 76 | 100 (stronger) |
| Funding & liquidity | 34 | 69 (stronger) |
| Problem-loan coverage | 68 | 100 (stronger) |
| Peer percentile | 10th | 89th |
| Total assets | $126.3M | $2.9M |
| Deposits / shares | $114.5M | $2.5M |
| Capital ratio | 9.01% | 13.29% (stronger) |
| Problem loans | 1.27% | 0.00% (stronger) |
| Net charge-offs | 0.07% | 0.00% (stronger) |
| Return on assets | 1.40% | 2.17% (stronger) |
| Loans ÷ deposits | 98.0% | 91.0% (stronger) |
| Uninsured deposits | 40.4% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.2% | — |
Waterloo Firemen'S Credit Union has the higher TellerScore (90 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Cedar Valley Bank & Trust leads on 0 and Waterloo Firemen'S Credit Union on 7. 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.