Side-by-side · Q2 2026 data
Pacific Valley Bank vs Navy Federal Credit Union
Metric by metric
| Measure | Pacific Valley Bank | Navy Federal Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 66 |
| Capital cushion | 76 (stronger) | 67 |
| Loan quality | 92 (stronger) | 47 |
| Earnings | 55 | 75 (stronger) |
| Funding & liquidity | 26 | 76 (stronger) |
| Problem-loan coverage | 97 (stronger) | 80 |
| Peer percentile | 43rd | 60th |
| Total assets | $653.3M | $204.4B |
| Deposits / shares | $570.5M | $173.4B |
| Capital ratio | 12.60% (stronger) | 11.65% |
| Problem loans | 0.24% (stronger) | 1.58% |
| Net charge-offs | -0.02% (stronger) | 2.35% |
| Return on assets | 0.87% | 1.38% (stronger) |
| Loans ÷ deposits | 94.5% | 84.4% (stronger) |
| Uninsured deposits | 50.7% | 9.7% (stronger) |
| Offices | 4 | 134 |
| CFPB complaints (3 yrs) | — | 34,444 |
| Complaints per $1B deposits | — | 198.7 |
| Mortgage denial rate (HMDA) | — | 32.9% |
Pacific Valley Bank has the higher TellerScore (70 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Pacific Valley Bank leads on 4 and Navy 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.