Side-by-side · Q2 2026 data
Choice Financial Group vs United Valley Bank
Metric by metric
| Measure | Choice Financial Group | United Valley Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 72 |
| Capital cushion | 58 (stronger) | 55 |
| Loan quality | 77 | 96 (stronger) |
| Earnings | 72 (stronger) | 64 |
| Funding & liquidity | 86 (stronger) | 62 |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 70th | 50th |
| Total assets | $6.4B | $751.6M |
| Deposits / shares | $5.1B | $628.5M |
| Capital ratio | 10.84% (stronger) | 10.50% |
| Problem loans | 0.68% | 0.13% (stronger) |
| Net charge-offs | 0.31% | 0.00% (stronger) |
| Return on assets | 1.30% (stronger) | 1.10% |
| Loans ÷ deposits | 62.0% (stronger) | 86.5% |
| Uninsured deposits | 26.5% | 25.2% (stronger) |
| Offices | 18 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | — |
Choice Financial Group has the higher TellerScore (73 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Choice Financial Group leads on 4 and United Valley Bank on 3. 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.