Side-by-side · Q2 2026 data
Community West Bank vs Valley Oak Credit Union
Credit union
Valley Oak Credit Union
Three Rivers, California · Under $100 million in assets
Metric by metric
| Measure | Community West Bank | Valley Oak Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 49 |
| Capital cushion | 60 (stronger) | 18 |
| Loan quality | 81 (stronger) | 76 |
| Earnings | 55 (stronger) | 19 |
| Funding & liquidity | 56 | 82 (stronger) |
| Problem-loan coverage | 92 (stronger) | 84 |
| Peer percentile | 44th | 8th |
| Total assets | $5.0B | $82.2M |
| Deposits / shares | $4.1B | $74.6M |
| Capital ratio | 10.97% (stronger) | 6.85% |
| Problem loans | 0.56% (stronger) | 0.71% |
| Net charge-offs | 0.38% | 0.34% (stronger) |
| Return on assets | 0.88% (stronger) | -0.03% |
| Loans ÷ deposits | 84.7% | 78.1% (stronger) |
| Uninsured deposits | 32.6% | 1.5% (stronger) |
| Offices | 37 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community West Bank has the higher TellerScore (67 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Community West Bank leads on 4 and Valley Oak Credit Union on 3. 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.