Side-by-side · Q2 2026 data
North Valley Bank vs Affidian Federal Credit Union
Metric by metric
| Measure | North Valley Bank | Affidian Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 85 (stronger) |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 82 (stronger) | 72 |
| Earnings | 100 (stronger) | 78 |
| Funding & liquidity | 45 | 78 (stronger) |
| Problem-loan coverage | 76 | 94 (stronger) |
| Peer percentile | 77th | 87th |
| Total assets | $268.6M | $360.1M |
| Deposits / shares | $215.2M | $290.1M |
| Capital ratio | 13.52% | 18.85% (stronger) |
| Problem loans | 0.53% (stronger) | 0.85% |
| Net charge-offs | 0.00% (stronger) | 0.18% |
| Return on assets | 2.82% (stronger) | 1.45% |
| Loans ÷ deposits | 107.5% | 82.3% (stronger) |
| Uninsured deposits | 22.3% | 12.8% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Affidian Federal Credit Union has the higher TellerScore (85 vs 80). On the 7 directional measures above (where higher or lower is clearly better), North Valley Bank leads on 3 and Affidian Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.