Side-by-side · Q2 2026 data
Pioneer Valley Federal Credit Union vs River Works Credit Union
Credit union
Pioneer Valley Federal Credit Union
Springfield, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Pioneer Valley Federal Credit Union | River Works Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 57 |
| Capital cushion | 66 (stronger) | 42 |
| Loan quality | 87 (stronger) | 73 |
| Earnings | 47 (stronger) | 42 |
| Funding & liquidity | 72 (stronger) | 63 |
| Problem-loan coverage | 95 (stronger) | 85 |
| Peer percentile | 54th | 14th |
| Total assets | $167.2M | $192.9M |
| Deposits / shares | $144.3M | $173.6M |
| Capital ratio | 11.62% (stronger) | 9.16% |
| Problem loans | 0.39% (stronger) | 0.82% |
| Net charge-offs | 0.62% | -0.02% (stronger) |
| Return on assets | 0.66% (stronger) | 0.54% |
| Loans ÷ deposits | 88.3% (stronger) | 93.5% |
| Uninsured deposits | 9.0% (stronger) | 18.7% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.3% | — |
Pioneer Valley Federal Credit Union has the higher TellerScore (71 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Valley Federal Credit Union leads on 6 and River Works Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.