Side-by-side · Q2 2026 data
Florence Federal Credit Union vs Valley Credit Union
Metric by metric
| Measure | Florence Federal Credit Union | Valley Credit Union |
|---|---|---|
| TellerScore | 76 | 84 (stronger) |
| Capital cushion | 91 (stronger) | 90 |
| Loan quality | 70 | 93 (stronger) |
| Earnings | 36 | 42 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 54th | 86th |
| Total assets | $65.9M | $112.9M |
| Deposits / shares | $57.0M | $98.2M |
| Capital ratio | 14.05% (stronger) | 13.96% |
| Problem loans | 0.90% | 0.20% (stronger) |
| Net charge-offs | 0.33% (stronger) | 0.43% |
| Return on assets | 0.41% | 0.55% (stronger) |
| Loans ÷ deposits | 45.0% | 39.1% (stronger) |
| Uninsured deposits | 6.5% | 3.0% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | — |
Valley Credit Union has the higher TellerScore (84 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Florence Federal Credit Union leads on 2 and Valley Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.