Side-by-side · Q2 2026 data
GNB Bank vs River Valley Credit Union
Metric by metric
| Measure | GNB Bank | River Valley Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 70 |
| Capital cushion | 72 (stronger) | 64 |
| Loan quality | 79 (stronger) | 65 |
| Earnings | 87 (stronger) | 54 |
| Funding & liquidity | 51 | 98 (stronger) |
| Problem-loan coverage | 94 (stronger) | 90 |
| Peer percentile | 64th | 51st |
| Total assets | $621.3M | $119.3M |
| Deposits / shares | $498.0M | $105.0M |
| Capital ratio | 12.22% (stronger) | 11.43% |
| Problem loans | 0.62% (stronger) | 1.05% |
| Net charge-offs | -0.00% (stronger) | 0.21% |
| Return on assets | 1.68% (stronger) | 0.86% |
| Loans ÷ deposits | 88.5% | 62.4% (stronger) |
| Uninsured deposits | 34.1% | 14.8% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.1% | — |
GNB Bank has the higher TellerScore (76 vs 70). On the 7 directional measures above (where higher or lower is clearly better), GNB Bank leads on 5 and River Valley 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.