Side-by-side · Q2 2026 data
Golden Valley Federal Credit Union vs Befit Financial Federal Credit Union
Credit union
Golden Valley Federal Credit Union
Manteca, California · Under $100 million in assets
Credit union
Befit Financial Federal Credit Union
Vacaville, California · Under $100 million in assets
Metric by metric
| Measure | Golden Valley Federal Credit Union | Befit Financial Federal Credit Union |
|---|---|---|
| TellerScore | 66 (stronger) | 60 |
| Capital cushion | 65 (stronger) | 50 |
| Loan quality | 54 | 60 (stronger) |
| Earnings | 50 (stronger) | 32 |
| Funding & liquidity | 98 | 100 (stronger) |
| Problem-loan coverage | 87 | 88 (stronger) |
| Peer percentile | 32nd | 22nd |
| Total assets | $39.7M | $38.2M |
| Deposits / shares | $35.0M | $34.1M |
| Capital ratio | 11.51% (stronger) | 10.02% |
| Problem loans | 1.38% | 1.20% (stronger) |
| Net charge-offs | 1.57% | 0.25% (stronger) |
| Return on assets | 0.76% (stronger) | 0.30% |
| Loans ÷ deposits | 62.3% | 55.7% (stronger) |
| Uninsured deposits | 5.3% | 5.2% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Golden Valley Federal Credit Union has the higher TellerScore (66 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Golden Valley Federal Credit Union leads on 3 and Befit Financial Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.