Side-by-side · Q2 2026 data
Spring Valley City Bank vs Smartchoice Credit Union
Metric by metric
| Measure | Spring Valley City Bank | Smartchoice Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 74 |
| Capital cushion | 89 | 100 (stronger) |
| Loan quality | 94 (stronger) | 64 |
| Earnings | 54 (stronger) | 43 |
| Funding & liquidity | 89 (stronger) | 66 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 86th | 49th |
| Total assets | $207.0M | $787K |
| Deposits / shares | $179.1M | $548K |
| Capital ratio | 13.86% | 30.27% (stronger) |
| Problem loans | 0.18% (stronger) | 1.07% |
| Net charge-offs | 0.00% | -0.72% (stronger) |
| Return on assets | 0.84% (stronger) | 0.56% |
| Loans ÷ deposits | 69.1% (stronger) | 93.8% |
| Uninsured deposits | 17.3% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spring Valley City Bank has the higher TellerScore (84 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Spring Valley City Bank leads on 4 and Smartchoice Credit Union on 3. 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.
Where both have branches
- Spring Valley, IL