Side-by-side · Q2 2026 data
IncredibleBank vs Valley Communities Credit Union
Metric by metric
| Measure | IncredibleBank | Valley Communities Credit Union |
|---|---|---|
| TellerScore | 57 | 83 (stronger) |
| Capital cushion | 33 | 80 (stronger) |
| Loan quality | 70 | 91 (stronger) |
| Earnings | 62 (stronger) | 56 |
| Funding & liquidity | 58 | 100 (stronger) |
| Problem-loan coverage | 82 | 98 (stronger) |
| Peer percentile | 16th | 83rd |
| Total assets | $2.1B | $306.9M |
| Deposits / shares | $1.8B | $264.2M |
| Capital ratio | 8.30% | 12.97% (stronger) |
| Problem loans | 0.89% | 0.28% (stronger) |
| Net charge-offs | 0.11% | 0.06% (stronger) |
| Return on assets | 1.06% (stronger) | 0.91% |
| Loans ÷ deposits | 89.0% | 59.2% (stronger) |
| Uninsured deposits | 27.3% | 6.0% (stronger) |
| Offices | 17 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.9% | 20.4% |
Valley Communities Credit Union has the higher TellerScore (83 vs 57). On the 7 directional measures above (where higher or lower is clearly better), IncredibleBank leads on 1 and Valley Communities Credit Union on 6. 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.