Side-by-side · Q2 2026 data
Circle Federal Credit Union vs River Valley Credit Union
Metric by metric
| Measure | Circle Federal Credit Union | River Valley Credit Union |
|---|---|---|
| TellerScore | 68 | 74 (stronger) |
| Capital cushion | 41 | 71 (stronger) |
| Loan quality | 92 (stronger) | 79 |
| Earnings | 52 (stronger) | 48 |
| Funding & liquidity | 84 | 92 (stronger) |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 45th | 63rd |
| Total assets | $117.4M | $124.0M |
| Deposits / shares | $105.6M | $107.5M |
| Capital ratio | 9.14% | 12.13% (stronger) |
| Problem loans | 0.25% (stronger) | 0.63% |
| Net charge-offs | 0.04% | 0.03% (stronger) |
| Return on assets | 0.79% (stronger) | 0.71% |
| Loans ÷ deposits | 76.0% | 68.6% (stronger) |
| Uninsured deposits | 5.1% | 2.1% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
River Valley Credit Union has the higher TellerScore (74 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Circle Federal Credit Union leads on 2 and River Valley Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.