Side-by-side · Q2 2026 data
North Valley Bank vs Star Tech Federal Credit Union
Credit union
Star Tech Federal Credit Union
Greenwood Villa, Colorado · Under $100 million in assets
Metric by metric
| Measure | North Valley Bank | Star Tech Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 91 (stronger) |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 82 | 87 (stronger) |
| Earnings | 100 (stronger) | 80 |
| Funding & liquidity | 45 | 91 (stronger) |
| Problem-loan coverage | 76 | 98 (stronger) |
| Peer percentile | 77th | 90th |
| Total assets | $268.6M | $11.1M |
| Deposits / shares | $215.2M | $8.6M |
| Capital ratio | 13.52% | 22.22% (stronger) |
| Problem loans | 0.53% | 0.38% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.40% |
| Return on assets | 2.82% (stronger) | 1.50% |
| Loans ÷ deposits | 107.5% | 69.3% (stronger) |
| Uninsured deposits | 22.3% | 8.6% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Star Tech Federal Credit Union has the higher TellerScore (91 vs 80). On the 7 directional measures above (where higher or lower is clearly better), North Valley Bank leads on 2 and Star Tech Federal Credit Union on 5. 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.