Side-by-side · Q2 2026 data
Sonoma Federal Credit Union vs Valley Oak Credit Union
Credit union
Valley Oak Credit Union
Three Rivers, California · Under $100 million in assets
Metric by metric
| Measure | Sonoma Federal Credit Union | Valley Oak Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 49 |
| Capital cushion | 85 (stronger) | 18 |
| Loan quality | 79 (stronger) | 76 |
| Earnings | 87 (stronger) | 19 |
| Funding & liquidity | 77 | 82 (stronger) |
| Problem-loan coverage | 92 (stronger) | 84 |
| Peer percentile | 72nd | 8th |
| Total assets | $80.0M | $82.2M |
| Deposits / shares | $69.0M | $74.6M |
| Capital ratio | 13.50% (stronger) | 6.85% |
| Problem loans | 0.63% (stronger) | 0.71% |
| Net charge-offs | 0.00% (stronger) | 0.34% |
| Return on assets | 1.67% (stronger) | -0.03% |
| Loans ÷ deposits | 82.2% | 78.1% (stronger) |
| Uninsured deposits | 16.1% | 1.5% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 42.3% | — |
Sonoma Federal Credit Union has the higher TellerScore (83 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Sonoma Federal Credit Union leads on 5 and Valley Oak Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.