Side-by-side · Q2 2026 data
Mirastar Federal Credit Union vs Valley First Federal Credit Union
Metric by metric
| Measure | Mirastar Federal Credit Union | Valley First Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 62 |
| Capital cushion | 49 (stronger) | 48 |
| Loan quality | 66 | 76 (stronger) |
| Earnings | 42 | 43 (stronger) |
| Funding & liquidity | 90 (stronger) | 71 |
| Problem-loan coverage | 86 | 89 (stronger) |
| Peer percentile | 30th | 30th |
| Total assets | $1.0B | $1.1B |
| Deposits / shares | $941.3M | $925.8M |
| Capital ratio | 9.87% (stronger) | 9.81% |
| Problem loans | 1.03% | 0.71% (stronger) |
| Net charge-offs | 0.59% (stronger) | 1.07% |
| Return on assets | 0.54% | 0.57% (stronger) |
| Loans ÷ deposits | 69.8% (stronger) | 89.7% |
| Uninsured deposits | 9.7% | 5.6% (stronger) |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.7% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Mirastar Federal Credit Union leads on 3 and Valley First Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.