Side-by-side · Q2 2026 data
Heritage Grove Federal Credit Union vs Valley Credit Union
Metric by metric
| Measure | Heritage Grove Federal Credit Union | Valley Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 48 |
| Capital cushion | 69 | 78 (stronger) |
| Loan quality | 61 (stronger) | 0 |
| Earnings | 46 (stronger) | 34 |
| Funding & liquidity | 90 (stronger) | 85 |
| Problem-loan coverage | 87 (stronger) | 46 |
| Peer percentile | 41st | 4th |
| Total assets | $167.2M | $118.6M |
| Deposits / shares | $146.9M | $103.1M |
| Capital ratio | 11.86% | 12.79% (stronger) |
| Problem loans | 1.17% (stronger) | 5.22% |
| Net charge-offs | 0.41% (stronger) | 1.63% |
| Return on assets | 0.65% (stronger) | 0.35% |
| Loans ÷ deposits | 70.5% (stronger) | 75.6% |
| Uninsured deposits | 4.0% (stronger) | 5.9% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.6% | — |
Heritage Grove Federal Credit Union has the higher TellerScore (67 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Heritage Grove Federal Credit Union leads on 6 and Valley Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.