Side-by-side · Q2 2026 data
First Security Bank of Roundup vs Valley Financial Credit Union
Metric by metric
| Measure | First Security Bank of Roundup | Valley Financial Credit Union |
|---|---|---|
| TellerScore | 66 | 71 (stronger) |
| Capital cushion | 84 (stronger) | 57 |
| Loan quality | 0 | 92 (stronger) |
| Earnings | 100 (stronger) | 54 |
| Funding & liquidity | 87 (stronger) | 73 |
| Problem-loan coverage | 74 | 96 (stronger) |
| Peer percentile | 28th | 54th |
| Total assets | $94.5M | $600.9M |
| Deposits / shares | $81.8M | $531.0M |
| Capital ratio | 13.36% (stronger) | 10.68% |
| Problem loans | 5.35% | 0.25% (stronger) |
| Net charge-offs | -0.04% (stronger) | 0.36% |
| Return on assets | 2.36% (stronger) | 0.84% |
| Loans ÷ deposits | 37.7% (stronger) | 87.5% |
| Uninsured deposits | 27.3% | 7.1% (stronger) |
| Offices | 1 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.6% |
Valley Financial Credit Union has the higher TellerScore (71 vs 66). On the 7 directional measures above (where higher or lower is clearly better), First Security Bank of Roundup leads on 4 and Valley Financial 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.
Where both have branches
- Roundup, MT