Side-by-side · Q2 2026 data
Honda Federal Credit Union vs Valley First Federal Credit Union
Metric by metric
| Measure | Honda Federal Credit Union | Valley First Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 62 |
| Capital cushion | 43 | 48 (stronger) |
| Loan quality | 89 (stronger) | 76 |
| Earnings | 37 | 43 (stronger) |
| Funding & liquidity | 70 | 71 (stronger) |
| Problem-loan coverage | 94 (stronger) | 89 |
| Peer percentile | 30th | 30th |
| Total assets | $1.2B | $1.1B |
| Deposits / shares | $1.0B | $925.8M |
| Capital ratio | 9.29% | 9.81% (stronger) |
| Problem loans | 0.34% (stronger) | 0.71% |
| Net charge-offs | 0.23% (stronger) | 1.07% |
| Return on assets | 0.42% | 0.57% (stronger) |
| Loans ÷ deposits | 90.0% | 89.7% (stronger) |
| Uninsured deposits | 12.0% | 5.6% (stronger) |
| Offices | 12 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.0% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Honda Federal Credit Union leads on 2 and Valley First Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.