Side-by-side · Q2 2026 data
Community 1st Federal Credit Union vs Valley Financial Credit Union
Credit union
Community 1st Federal Credit Union
Miles City, Montana · Under $100 million in assets
Metric by metric
| Measure | Community 1st Federal Credit Union | Valley Financial Credit Union |
|---|---|---|
| TellerScore | 58 | 71 (stronger) |
| Capital cushion | 61 (stronger) | 57 |
| Loan quality | 47 | 92 (stronger) |
| Earnings | 51 | 54 (stronger) |
| Funding & liquidity | 69 | 73 (stronger) |
| Problem-loan coverage | 77 | 96 (stronger) |
| Peer percentile | 19th | 54th |
| Total assets | $43.2M | $600.9M |
| Deposits / shares | $37.6M | $531.0M |
| Capital ratio | 11.14% (stronger) | 10.68% |
| Problem loans | 1.60% | 0.25% (stronger) |
| Net charge-offs | 0.37% | 0.36% (stronger) |
| Return on assets | 0.79% | 0.84% (stronger) |
| Loans ÷ deposits | 91.4% | 87.5% (stronger) |
| Uninsured deposits | 1.3% (stronger) | 7.1% |
| Offices | 2 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.6% |
Valley Financial Credit Union has the higher TellerScore (71 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Community 1st Federal Credit Union leads on 2 and Valley Financial Credit Union on 5. 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.
Where both have branches
- Miles City, MT