Side-by-side · Q2 2026 data
Denocos Federal Credit Union vs Valley Agricultural Federal Credit Union
Credit union
Denocos Federal Credit Union
Crescent City, California · Under $100 million in assets
Credit union
Valley Agricultural Federal Credit Union
Santa Paula, California · Under $100 million in assets
Metric by metric
| Measure | Denocos Federal Credit Union | Valley Agricultural Federal Credit Union |
|---|---|---|
| TellerScore | 68 (stronger) | 57 |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 33 | 33 |
| Earnings | 33 (stronger) | 28 |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 87 (stronger) | 85 |
| Peer percentile | 36th | 17th |
| Total assets | $6.2M | $4.6M |
| Deposits / shares | $5.3M | $4.1M |
| Capital ratio | 15.32% (stronger) | 11.55% |
| Problem loans | 2.01% | 2.01% (stronger) |
| Net charge-offs | -0.19% (stronger) | 0.87% |
| Return on assets | 0.32% (stronger) | 0.21% |
| Loans ÷ deposits | 63.8% | 49.3% (stronger) |
| Uninsured deposits | 1.5% | 0.6% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Denocos Federal Credit Union has the higher TellerScore (68 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Denocos Federal Credit Union leads on 4 and Valley Agricultural Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.