Side-by-side · Q2 2026 data
Montecito Bank & Trust 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 | Montecito Bank & Trust | Valley Agricultural Federal Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 57 |
| Capital cushion | 63 | 66 (stronger) |
| Loan quality | 94 (stronger) | 33 |
| Earnings | 44 (stronger) | 28 |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 85 |
| Peer percentile | 53rd | 17th |
| Total assets | $2.0B | $4.6M |
| Deposits / shares | $1.7B | $4.1M |
| Capital ratio | 11.29% | 11.55% (stronger) |
| Problem loans | 0.17% (stronger) | 2.01% |
| Net charge-offs | 0.02% (stronger) | 0.87% |
| Return on assets | 0.60% (stronger) | 0.21% |
| Loans ÷ deposits | 79.4% | 49.3% (stronger) |
| Uninsured deposits | 38.6% | 0.6% (stronger) |
| Offices | 16 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.7% | — |
Montecito Bank & Trust has the higher TellerScore (69 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Montecito Bank & Trust leads on 4 and Valley Agricultural Federal Credit Union on 3. 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.