Side-by-side · Q2 2026 data
Desco Federal Credit Union vs River Valley Credit Union
Metric by metric
| Measure | Desco Federal Credit Union | River Valley Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 73 |
| Capital cushion | 68 | 70 (stronger) |
| Loan quality | 83 | 84 (stronger) |
| Earnings | 59 (stronger) | 56 |
| Funding & liquidity | 93 (stronger) | 71 |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 68th | 60th |
| Total assets | $550.7M | $502.3M |
| Deposits / shares | $481.4M | $435.0M |
| Capital ratio | 11.77% | 12.01% (stronger) |
| Problem loans | 0.51% | 0.48% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.31% |
| Return on assets | 0.98% (stronger) | 0.90% |
| Loans ÷ deposits | 66.8% (stronger) | 89.7% |
| Uninsured deposits | 12.7% | 0.0% (stronger) |
| Offices | 6 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Desco Federal Credit Union has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Desco Federal Credit Union leads on 4 and River Valley Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.