Side-by-side · Q2 2026 data
Logix Federal Credit Union vs Valley Agricultural Federal Credit Union
Credit union
Valley Agricultural Federal Credit Union
Santa Paula, California · Under $100 million in assets
Metric by metric
| Measure | Logix Federal Credit Union | Valley Agricultural Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 57 |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 64 (stronger) | 33 |
| Earnings | 57 (stronger) | 28 |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 89 (stronger) | 85 |
| Peer percentile | 75th | 17th |
| Total assets | $9.7B | $4.6M |
| Deposits / shares | $8.1B | $4.1M |
| Capital ratio | 15.67% (stronger) | 11.55% |
| Problem loans | 1.08% (stronger) | 2.01% |
| Net charge-offs | 0.41% (stronger) | 0.87% |
| Return on assets | 0.92% (stronger) | 0.21% |
| Loans ÷ deposits | 95.4% | 49.3% (stronger) |
| Uninsured deposits | 18.5% | 0.6% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.8% | — |
Logix Federal Credit Union has the higher TellerScore (75 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Logix Federal Credit Union leads on 5 and Valley Agricultural Federal Credit Union on 2. 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.