Side-by-side · Q2 2026 data
Paper City Savings Bank, S.A. vs Valley Communities Credit Union
Metric by metric
| Measure | Paper City Savings Bank, S.A. | Valley Communities Credit Union |
|---|---|---|
| TellerScore | 79 | 83 (stronger) |
| Capital cushion | 100 (stronger) | 80 |
| Loan quality | 77 | 91 (stronger) |
| Earnings | 61 (stronger) | 56 |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 75th | 83rd |
| Total assets | $208.3M | $306.9M |
| Deposits / shares | $170.2M | $264.2M |
| Capital ratio | 16.11% (stronger) | 12.97% |
| Problem loans | 0.68% | 0.28% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.06% |
| Return on assets | 1.02% (stronger) | 0.91% |
| Loans ÷ deposits | 105.5% | 59.2% (stronger) |
| Uninsured deposits | 7.9% | 6.0% (stronger) |
| Offices | 3 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.4% |
Valley Communities Credit Union has the higher TellerScore (83 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Paper City Savings Bank, S.A. leads on 3 and Valley Communities Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Nekoosa, WI
- Wisconsin Rapids, WI