Side-by-side · Q2 2026 data
Citizens State Bank of Loyal vs Valley Communities Credit Union
Metric by metric
| Measure | Citizens State Bank of Loyal | Valley Communities Credit Union |
|---|---|---|
| TellerScore | 80 | 83 (stronger) |
| Capital cushion | 65 | 80 (stronger) |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 67 (stronger) | 56 |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 77th | 83rd |
| Total assets | $311.5M | $306.9M |
| Deposits / shares | $250.3M | $264.2M |
| Capital ratio | 11.48% | 12.97% (stronger) |
| Problem loans | 0.00% (stronger) | 0.28% |
| Net charge-offs | 0.01% (stronger) | 0.06% |
| Return on assets | 1.16% (stronger) | 0.91% |
| Loans ÷ deposits | 71.9% | 59.2% (stronger) |
| Uninsured deposits | 21.3% | 6.0% (stronger) |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.3% | 20.4% |
Valley Communities Credit Union has the higher TellerScore (83 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of Loyal leads on 3 and Valley Communities Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.