Side-by-side · Q2 2026 data
Frontier Bank vs Valley Educators Credit Union
Metric by metric
| Measure | Frontier Bank | Valley Educators Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 56 |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 89 (stronger) | 19 |
| Earnings | 100 (stronger) | 14 |
| Funding & liquidity | 79 (stronger) | 68 |
| Problem-loan coverage | 97 (stronger) | 85 |
| Peer percentile | 80th | 16th |
| Total assets | $436.4M | $6.1M |
| Deposits / shares | $388.9M | $4.8M |
| Capital ratio | 10.78% | 21.96% (stronger) |
| Problem loans | 0.32% (stronger) | 2.42% |
| Net charge-offs | -0.00% (stronger) | 1.89% |
| Return on assets | 2.12% (stronger) | -0.15% |
| Loans ÷ deposits | 52.8% (stronger) | 92.5% |
| Uninsured deposits | 34.1% | 0.0% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Frontier Bank has the higher TellerScore (81 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Frontier Bank leads on 5 and Valley Educators 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.