Side-by-side · Q2 2026 data
First Community Bank vs Valley Federal Credit Union
Metric by metric
| Measure | First Community Bank | Valley Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 73 |
| Capital cushion | 54 | 76 (stronger) |
| Loan quality | 100 (stronger) | 85 |
| Earnings | 91 (stronger) | 32 |
| Funding & liquidity | 78 | 90 (stronger) |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 80th | 60th |
| Total assets | $794.4M | $119.1M |
| Deposits / shares | $697.4M | $102.9M |
| Capital ratio | 10.36% | 12.61% (stronger) |
| Problem loans | 0.01% (stronger) | 0.46% |
| Net charge-offs | 0.02% (stronger) | 0.66% |
| Return on assets | 1.78% (stronger) | 0.29% |
| Loans ÷ deposits | 66.1% (stronger) | 70.5% |
| Uninsured deposits | 29.3% | 2.9% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
First Community Bank has the higher TellerScore (81 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 5 and Valley Federal Credit Union on 2. 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.