Side-by-side · Q2 2026 data
The Juniata Valley Bank vs Alco Federal Credit Union
Metric by metric
| Measure | The Juniata Valley Bank | Alco Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 83 (stronger) |
| Capital cushion | 36 | 87 (stronger) |
| Loan quality | 98 (stronger) | 68 |
| Earnings | 66 | 78 (stronger) |
| Funding & liquidity | 76 | 99 (stronger) |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 43rd | 72nd |
| Total assets | $917.9M | $61.5M |
| Deposits / shares | $805.8M | $53.0M |
| Capital ratio | 8.56% | 13.74% (stronger) |
| Problem loans | 0.05% (stronger) | 0.95% |
| Net charge-offs | 0.00% (stronger) | 0.21% |
| Return on assets | 1.16% | 1.44% (stronger) |
| Loans ÷ deposits | 78.0% | 61.5% (stronger) |
| Uninsured deposits | 20.4% | 1.6% (stronger) |
| Offices | 15 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.5% | — |
Alco Federal Credit Union has the higher TellerScore (83 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Juniata Valley Bank leads on 2 and Alco Federal 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.