Side-by-side · Q2 2026 data
Community Spirit Bank vs Valley Credit Union
Metric by metric
| Measure | Community Spirit Bank | Valley Credit Union |
|---|---|---|
| TellerScore | 77 | 84 (stronger) |
| Capital cushion | 47 | 90 (stronger) |
| Loan quality | 100 (stronger) | 93 |
| Earnings | 75 (stronger) | 42 |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 68th | 86th |
| Total assets | $228.8M | $112.9M |
| Deposits / shares | $205.7M | $98.2M |
| Capital ratio | 9.73% | 13.96% (stronger) |
| Problem loans | 0.00% (stronger) | 0.20% |
| Net charge-offs | 0.34% (stronger) | 0.43% |
| Return on assets | 1.39% (stronger) | 0.55% |
| Loans ÷ deposits | 72.5% | 39.1% (stronger) |
| Uninsured deposits | 18.0% | 3.0% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Valley Credit Union has the higher TellerScore (84 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Community Spirit Bank leads on 3 and Valley Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.