Side-by-side · Q2 2026 data
St Joe Valley Credit Union vs Latah Credit Union
Metric by metric
| Measure | St Joe Valley Credit Union | Latah Credit Union |
|---|---|---|
| TellerScore | 80 | 82 (stronger) |
| Capital cushion | 66 | 67 (stronger) |
| Loan quality | 80 | 82 (stronger) |
| Earnings | 78 | 86 (stronger) |
| Funding & liquidity | 100 (stronger) | 98 |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 65th | 82nd |
| Total assets | $14.0M | $170.4M |
| Deposits / shares | $12.3M | $151.0M |
| Capital ratio | 11.62% | 11.65% (stronger) |
| Problem loans | 0.59% | 0.54% (stronger) |
| Net charge-offs | 0.21% | 0.14% (stronger) |
| Return on assets | 1.45% | 1.64% (stronger) |
| Loans ÷ deposits | 54.3% (stronger) | 62.7% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Latah Credit Union has the higher TellerScore (82 vs 80). On the 6 directional measures above (where higher or lower is clearly better), St Joe Valley Credit Union leads on 1 and Latah Credit Union on 5. 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.