Side-by-side · Q2 2026 data
River Valley Community Bank vs Safe Credit Union
Metric by metric
| Measure | River Valley Community Bank | Safe Credit Union |
|---|---|---|
| TellerScore | 65 | 71 (stronger) |
| Capital cushion | 37 | 58 (stronger) |
| Loan quality | 100 (stronger) | 83 |
| Earnings | 47 | 59 (stronger) |
| Funding & liquidity | 62 | 80 (stronger) |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 29th | 62nd |
| Total assets | $793.1M | $4.4B |
| Deposits / shares | $704.9M | $3.9B |
| Capital ratio | 8.73% | 10.82% (stronger) |
| Problem loans | 0.00% (stronger) | 0.52% |
| Net charge-offs | 0.04% (stronger) | 0.29% |
| Return on assets | 0.67% | 0.97% (stronger) |
| Loans ÷ deposits | 56.8% (stronger) | 79.9% |
| Uninsured deposits | 49.2% | 0.1% (stronger) |
| Offices | 5 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.1% |
Safe Credit Union has the higher TellerScore (71 vs 65). On the 7 directional measures above (where higher or lower is clearly better), River Valley Community Bank leads on 3 and Safe Credit Union on 4. 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.