Side-by-side · Q2 2026 data
Hancock County Savings Bank, F.S.B. vs Valley One Community Federal Credit Union
Credit union
Valley One Community Federal Credit Union
Steubenville, Ohio · Under $100 million in assets
Metric by metric
| Measure | Hancock County Savings Bank, F.S.B. | Valley One Community Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 79 |
| Capital cushion | 100 (stronger) | 72 |
| Loan quality | 79 | 95 (stronger) |
| Earnings | 59 (stronger) | 46 |
| Funding & liquidity | 53 | 100 (stronger) |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 75th | 62nd |
| Total assets | $508.0M | $42.2M |
| Deposits / shares | $401.2M | $37.4M |
| Capital ratio | 18.37% (stronger) | 12.17% |
| Problem loans | 0.63% | 0.16% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.13% |
| Return on assets | 0.97% (stronger) | 0.64% |
| Loans ÷ deposits | 106.9% | 22.8% (stronger) |
| Uninsured deposits | 7.9% | 4.1% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Hancock County Savings Bank, F.S.B. leads on 3 and Valley One Community Federal Credit Union on 3. 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.