Side-by-side · Q2 2026 data
Sunlight Federal Credit Union vs Valley Financial Credit Union
Metric by metric
| Measure | Sunlight Federal Credit Union | Valley Financial Credit Union |
|---|---|---|
| TellerScore | 31 | 71 (stronger) |
| Capital cushion | 53 | 57 (stronger) |
| Loan quality | 0 | 92 (stronger) |
| Earnings | 0 | 54 (stronger) |
| Funding & liquidity | 91 (stronger) | 73 |
| Problem-loan coverage | 11 | 96 (stronger) |
| Peer percentile | 0th | 54th |
| Total assets | $210.6M | $600.9M |
| Deposits / shares | $189.3M | $531.0M |
| Capital ratio | 10.26% | 10.68% (stronger) |
| Problem loans | 7.34% | 0.25% (stronger) |
| Net charge-offs | 0.45% | 0.36% (stronger) |
| Return on assets | -3.24% | 0.84% (stronger) |
| Loans ÷ deposits | 69.5% (stronger) | 87.5% |
| Uninsured deposits | 7.0% (stronger) | 7.1% |
| Offices | 3 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.6% |
Valley Financial Credit Union has the higher TellerScore (71 vs 31). On the 7 directional measures above (where higher or lower is clearly better), Sunlight Federal Credit Union leads on 2 and Valley Financial Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.