Side-by-side · Q2 2026 data
Strata Federal Credit Union vs Valley Strong Credit Union
Credit union
Valley Strong Credit Union
Bakersfield, California · $1 billion – $10 billion
Metric by metric
| Measure | Strata Federal Credit Union | Valley Strong Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 51 |
| Capital cushion | 92 (stronger) | 43 |
| Loan quality | 92 (stronger) | 35 |
| Earnings | 32 | 51 (stronger) |
| Funding & liquidity | 75 | 81 (stronger) |
| Problem-loan coverage | 97 (stronger) | 70 |
| Peer percentile | 74th | 7th |
| Total assets | $344.5M | $4.1B |
| Deposits / shares | $291.4M | $3.7B |
| Capital ratio | 14.20% (stronger) | 9.27% |
| Problem loans | 0.23% (stronger) | 1.94% |
| Net charge-offs | 0.80% | 0.78% (stronger) |
| Return on assets | 0.31% | 0.77% (stronger) |
| Loans ÷ deposits | 85.3% | 79.2% (stronger) |
| Uninsured deposits | 4.7% (stronger) | 8.2% |
| Offices | 2 | 31 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 25.3% |
Strata Federal Credit Union has the higher TellerScore (78 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Strata Federal Credit Union leads on 4 and Valley Strong 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.