Side-by-side · Q2 2026 data
Intrepid Credit Union vs Valley Financial Credit Union
Metric by metric
| Measure | Intrepid Credit Union | Valley Financial Credit Union |
|---|---|---|
| TellerScore | 71 | 71 |
| Capital cushion | 61 (stronger) | 57 |
| Loan quality | 85 | 92 (stronger) |
| Earnings | 47 | 54 (stronger) |
| Funding & liquidity | 81 (stronger) | 73 |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 54th | 54th |
| Total assets | $310.8M | $600.9M |
| Deposits / shares | $268.6M | $531.0M |
| Capital ratio | 11.06% (stronger) | 10.68% |
| Problem loans | 0.44% | 0.25% (stronger) |
| Net charge-offs | 0.27% (stronger) | 0.36% |
| Return on assets | 0.68% | 0.84% (stronger) |
| Loans ÷ deposits | 79.2% (stronger) | 87.5% |
| Uninsured deposits | 0.0% (stronger) | 7.1% |
| Offices | 7 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.7% | 23.6% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Intrepid Credit Union leads on 4 and Valley Financial Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.