Side-by-side · Q2 2026 data
Provident Credit Union vs Valley Strong Credit Union
Credit union
Valley Strong Credit Union
Bakersfield, California · $1 billion – $10 billion
Metric by metric
| Measure | Provident Credit Union | Valley Strong Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 51 |
| Capital cushion | 59 (stronger) | 43 |
| Loan quality | 98 (stronger) | 35 |
| Earnings | 46 | 51 (stronger) |
| Funding & liquidity | 69 | 81 (stronger) |
| Problem-loan coverage | 99 (stronger) | 70 |
| Peer percentile | 66th | 7th |
| Total assets | $3.6B | $4.1B |
| Deposits / shares | $3.1B | $3.7B |
| Capital ratio | 10.86% (stronger) | 9.27% |
| Problem loans | 0.07% (stronger) | 1.94% |
| Net charge-offs | 0.09% (stronger) | 0.78% |
| Return on assets | 0.65% | 0.77% (stronger) |
| Loans ÷ deposits | 90.8% | 79.2% (stronger) |
| Uninsured deposits | 10.2% | 8.2% (stronger) |
| Offices | 22 | 31 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.2% | 25.3% |
Provident Credit Union has the higher TellerScore (72 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Provident Credit Union leads on 4 and Valley Strong Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.