Side-by-side · Q2 2026 data
Community First Federal Credit Union vs River Valley Credit Union
Credit union
Community First Federal Credit Union
Lakeview, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Community First Federal Credit Union | River Valley Credit Union |
|---|---|---|
| TellerScore | 45 | 74 (stronger) |
| Capital cushion | 34 | 71 (stronger) |
| Loan quality | 33 | 79 (stronger) |
| Earnings | 51 (stronger) | 48 |
| Funding & liquidity | 67 | 92 (stronger) |
| Problem-loan coverage | 60 | 94 (stronger) |
| Peer percentile | 3rd | 63rd |
| Total assets | $148.8M | $124.0M |
| Deposits / shares | $135.2M | $107.5M |
| Capital ratio | 8.43% | 12.13% (stronger) |
| Problem loans | 2.02% | 0.63% (stronger) |
| Net charge-offs | 0.57% | 0.03% (stronger) |
| Return on assets | 0.77% (stronger) | 0.71% |
| Loans ÷ deposits | 92.8% | 68.6% (stronger) |
| Uninsured deposits | 5.3% | 2.1% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
River Valley Credit Union has the higher TellerScore (74 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Community First Federal Credit Union leads on 1 and River Valley Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.