Side-by-side · Q2 2026 data
San Luis Valley Federal Bank vs Valley Educators Credit Union
Metric by metric
| Measure | San Luis Valley Federal Bank | Valley Educators Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 56 |
| Capital cushion | 100 | 100 |
| Loan quality | 95 (stronger) | 19 |
| Earnings | 65 (stronger) | 14 |
| Funding & liquidity | 66 | 68 (stronger) |
| Problem-loan coverage | 99 (stronger) | 85 |
| Peer percentile | 91st | 16th |
| Total assets | $390.2M | $6.1M |
| Deposits / shares | $317.9M | $4.8M |
| Capital ratio | 17.98% | 21.96% (stronger) |
| Problem loans | 0.15% (stronger) | 2.42% |
| Net charge-offs | 0.00% (stronger) | 1.89% |
| Return on assets | 1.13% (stronger) | -0.15% |
| Loans ÷ deposits | 88.4% (stronger) | 92.5% |
| Uninsured deposits | 20.6% | 0.0% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
San Luis Valley Federal Bank has the higher TellerScore (87 vs 56). On the 7 directional measures above (where higher or lower is clearly better), San Luis Valley Federal Bank leads on 5 and Valley Educators Credit Union on 2. 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.