Side-by-side · Q2 2026 data
Freedom United Federal Credit Union vs Valley One Community Federal Credit Union
Credit union
Freedom United Federal Credit Union
Rochester, Pennsylvania · Under $100 million in assets
Credit union
Valley One Community Federal Credit Union
Steubenville, Ohio · Under $100 million in assets
Metric by metric
| Measure | Freedom United Federal Credit Union | Valley One Community Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 79 |
| Capital cushion | 100 (stronger) | 72 |
| Loan quality | 72 | 95 (stronger) |
| Earnings | 100 (stronger) | 46 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 94th | 62nd |
| Total assets | $94.2M | $42.2M |
| Deposits / shares | $76.2M | $37.4M |
| Capital ratio | 18.97% (stronger) | 12.17% |
| Problem loans | 0.84% | 0.16% (stronger) |
| Net charge-offs | 0.13% (stronger) | 0.13% |
| Return on assets | 2.31% (stronger) | 0.64% |
| Loans ÷ deposits | 32.9% | 22.8% (stronger) |
| Uninsured deposits | 0.9% (stronger) | 4.1% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Freedom United Federal Credit Union has the higher TellerScore (93 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Freedom United Federal Credit Union leads on 5 and Valley One Community Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.