Side-by-side · Q2 2026 data
Grand Valley Bank vs Rio Grande Federal Credit Union
Credit union
Rio Grande Federal Credit Union
Grand Junction, Colorado · Under $100 million in assets
Metric by metric
| Measure | Grand Valley Bank | Rio Grande Federal Credit Union |
|---|---|---|
| TellerScore | 82 | 97 (stronger) |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 99 | 99 |
| Earnings | 68 | 88 (stronger) |
| Funding & liquidity | 93 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 82nd | 98th |
| Total assets | $599.4M | $80.8M |
| Deposits / shares | $541.3M | $62.8M |
| Capital ratio | 11.47% | 21.99% (stronger) |
| Problem loans | 0.02% (stronger) | 0.03% |
| Net charge-offs | 0.01% (stronger) | 0.72% |
| Return on assets | 1.19% | 1.71% (stronger) |
| Loans ÷ deposits | 52.0% | 44.4% (stronger) |
| Uninsured deposits | 21.7% | 8.7% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
Rio Grande Federal Credit Union has the higher TellerScore (97 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Grand Valley Bank leads on 2 and Rio Grande Federal Credit Union on 5. 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.