Side-by-side · Q2 2026 data
Henrico Federal Credit Union vs Valleystar Credit Union
Metric by metric
| Measure | Henrico Federal Credit Union | Valleystar Credit Union |
|---|---|---|
| TellerScore | 64 (stronger) | 45 |
| Capital cushion | 57 (stronger) | 53 |
| Loan quality | 52 (stronger) | 41 |
| Earnings | 62 (stronger) | 0 |
| Funding & liquidity | 88 (stronger) | 78 |
| Problem-loan coverage | 83 (stronger) | 76 |
| Peer percentile | 31st | 3rd |
| Total assets | $499.7M | $503.4M |
| Deposits / shares | $447.6M | $406.1M |
| Capital ratio | 10.68% (stronger) | 10.25% |
| Problem loans | 1.44% (stronger) | 1.76% |
| Net charge-offs | 0.34% (stronger) | 0.86% |
| Return on assets | 1.04% (stronger) | -1.05% |
| Loans ÷ deposits | 71.9% (stronger) | 82.0% |
| Uninsured deposits | 7.4% (stronger) | 7.7% |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.5% | 51.4% |
Henrico Federal Credit Union has the higher TellerScore (64 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Henrico Federal Credit Union leads on 7 and Valleystar Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.