Side-by-side · Q2 2026 data
Commonwealth One Federal Credit Union vs Valleystar Credit Union
Credit union
Commonwealth One Federal Credit Union
Alexandria, Virginia · $100 million – $1 billion
Metric by metric
| Measure | Commonwealth One Federal Credit Union | Valleystar Credit Union |
|---|---|---|
| TellerScore | 55 (stronger) | 45 |
| Capital cushion | 33 | 53 (stronger) |
| Loan quality | 57 (stronger) | 41 |
| Earnings | 59 (stronger) | 0 |
| Funding & liquidity | 76 | 78 (stronger) |
| Problem-loan coverage | 76 | 76 |
| Peer percentile | 12th | 3rd |
| Total assets | $501.7M | $503.4M |
| Deposits / shares | $432.9M | $406.1M |
| Capital ratio | 8.30% | 10.25% (stronger) |
| Problem loans | 1.29% (stronger) | 1.76% |
| Net charge-offs | 1.15% | 0.86% (stronger) |
| Return on assets | 0.98% (stronger) | -1.05% |
| Loans ÷ deposits | 84.1% | 82.0% (stronger) |
| Uninsured deposits | 6.2% (stronger) | 7.7% |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 51.4% |
Commonwealth One Federal Credit Union has the higher TellerScore (55 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Commonwealth One Federal Credit Union leads on 4 and Valleystar Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.