Side-by-side · Q2 2026 data
Community Bank vs Valley 1st Community Federal Credit Union
Credit union
Valley 1st Community Federal Credit Union
Monessen, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Community Bank | Valley 1st Community Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 89 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 90 (stronger) | 75 |
| Earnings | 62 | 87 (stronger) |
| Funding & liquidity | 46 | 89 (stronger) |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 40th | 94th |
| Total assets | $1.7B | $106.9M |
| Deposits / shares | $1.4B | $82.7M |
| Capital ratio | 9.94% | 23.12% (stronger) |
| Problem loans | 0.29% (stronger) | 0.75% |
| Net charge-offs | 0.01% (stronger) | 0.21% |
| Return on assets | 1.06% | 1.69% (stronger) |
| Loans ÷ deposits | 84.3% | 71.0% (stronger) |
| Uninsured deposits | 41.5% | 7.5% (stronger) |
| Offices | 12 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | — |
Valley 1st Community Federal Credit Union has the higher TellerScore (89 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Community Bank leads on 2 and Valley 1st Community Federal 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.