Side-by-side · Q2 2026 data
Murphy Bank vs Central Valley Firefighters Credit Union
Credit union
Central Valley Firefighters Credit Union
Fresno, California · Under $100 million in assets
Metric by metric
| Measure | Murphy Bank | Central Valley Firefighters Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 87 |
| Capital cushion | 99 (stronger) | 87 |
| Loan quality | 87 (stronger) | 86 |
| Earnings | 100 (stronger) | 75 |
| Funding & liquidity | 49 | 99 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 92nd | 83rd |
| Total assets | $357.2M | $49.5M |
| Deposits / shares | $296.9M | $42.5M |
| Capital ratio | 14.89% (stronger) | 13.73% |
| Problem loans | 0.39% (stronger) | 0.42% |
| Net charge-offs | 0.01% (stronger) | 0.16% |
| Return on assets | 2.46% (stronger) | 1.37% |
| Loans ÷ deposits | 101.3% | 61.1% (stronger) |
| Uninsured deposits | 23.6% | 5.4% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Murphy Bank has the higher TellerScore (88 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Murphy Bank leads on 5 and Central Valley Firefighters 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.