Side-by-side · Q2 2026 data
Ironworkers USA Federal Credit Union vs Valley Credit Union
Credit union
Ironworkers USA Federal Credit Union
Portland, Oregon · $100 million – $1 billion
Metric by metric
| Measure | Ironworkers USA Federal Credit Union | Valley Credit Union |
|---|---|---|
| TellerScore | 46 | 48 (stronger) |
| Capital cushion | 61 | 78 (stronger) |
| Loan quality | 1 (stronger) | 0 |
| Earnings | 61 (stronger) | 34 |
| Funding & liquidity | 64 | 85 (stronger) |
| Problem-loan coverage | 57 (stronger) | 46 |
| Peer percentile | 3rd | 4th |
| Total assets | $155.9M | $118.6M |
| Deposits / shares | $137.8M | $103.1M |
| Capital ratio | 11.10% | 12.79% (stronger) |
| Problem loans | 2.97% (stronger) | 5.22% |
| Net charge-offs | 1.16% (stronger) | 1.63% |
| Return on assets | 1.02% (stronger) | 0.35% |
| Loans ÷ deposits | 91.5% | 75.6% (stronger) |
| Uninsured deposits | 19.1% | 5.9% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Valley Credit Union has the higher TellerScore (48 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Ironworkers USA Federal Credit Union leads on 3 and Valley Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.