Side-by-side · Q2 2026 data
Onpoint Community Credit Union vs Valley Credit Union
Metric by metric
| Measure | Onpoint Community Credit Union | Valley Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 48 |
| Capital cushion | 100 (stronger) | 78 |
| Loan quality | 67 (stronger) | 0 |
| Earnings | 76 (stronger) | 34 |
| Funding & liquidity | 80 | 85 (stronger) |
| Problem-loan coverage | 91 (stronger) | 46 |
| Peer percentile | 92nd | 4th |
| Total assets | $9.5B | $118.6M |
| Deposits / shares | $7.9B | $103.1M |
| Capital ratio | 15.00% (stronger) | 12.79% |
| Problem loans | 0.98% (stronger) | 5.22% |
| Net charge-offs | 0.42% (stronger) | 1.63% |
| Return on assets | 1.41% (stronger) | 0.35% |
| Loans ÷ deposits | 80.0% | 75.6% (stronger) |
| Uninsured deposits | 3.6% (stronger) | 5.9% |
| Offices | 34 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.5% | — |
Onpoint Community Credit Union has the higher TellerScore (83 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Onpoint Community Credit Union leads on 6 and Valley Credit Union on 1. 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.