Side-by-side · Q2 2026 data
Isabella Bank vs River Valley Credit Union
Metric by metric
| Measure | Isabella Bank | River Valley Credit Union |
|---|---|---|
| TellerScore | 62 | 74 (stronger) |
| Capital cushion | 39 | 71 (stronger) |
| Loan quality | 84 (stronger) | 79 |
| Earnings | 64 (stronger) | 48 |
| Funding & liquidity | 51 | 92 (stronger) |
| Problem-loan coverage | 92 | 94 (stronger) |
| Peer percentile | 27th | 63rd |
| Total assets | $2.2B | $124.0M |
| Deposits / shares | $1.8B | $107.5M |
| Capital ratio | 8.93% | 12.13% (stronger) |
| Problem loans | 0.49% (stronger) | 0.63% |
| Net charge-offs | 0.08% | 0.03% (stronger) |
| Return on assets | 1.10% (stronger) | 0.71% |
| Loans ÷ deposits | 85.4% | 68.6% (stronger) |
| Uninsured deposits | 36.5% | 2.1% (stronger) |
| Offices | 27 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.4% | — |
River Valley Credit Union has the higher TellerScore (74 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Isabella Bank leads on 2 and River Valley Credit Union on 5. 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.