Side-by-side · Q2 2026 data
Mission Bank vs Valley Strong Credit Union
Credit union
Valley Strong Credit Union
Bakersfield, California · $1 billion – $10 billion
Metric by metric
| Measure | Mission Bank | Valley Strong Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 51 |
| Capital cushion | 72 (stronger) | 43 |
| Loan quality | 99 (stronger) | 35 |
| Earnings | 87 (stronger) | 51 |
| Funding & liquidity | 44 | 81 (stronger) |
| Problem-loan coverage | 100 (stronger) | 70 |
| Peer percentile | 90th | 7th |
| Total assets | $2.0B | $4.1B |
| Deposits / shares | $1.8B | $3.7B |
| Capital ratio | 12.22% (stronger) | 9.27% |
| Problem loans | 0.02% (stronger) | 1.94% |
| Net charge-offs | 0.33% (stronger) | 0.78% |
| Return on assets | 1.67% (stronger) | 0.77% |
| Loans ÷ deposits | 85.4% | 79.2% (stronger) |
| Uninsured deposits | 43.0% | 8.2% (stronger) |
| Offices | 8 | 31 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 25.3% |
Mission Bank has the higher TellerScore (80 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Mission Bank leads on 5 and Valley Strong Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.