Side-by-side · Q2 2026 data
The Twin Valley Bank vs Day Air Credit Union
Metric by metric
| Measure | The Twin Valley Bank | Day Air Credit Union |
|---|---|---|
| TellerScore | 72 | 82 (stronger) |
| Capital cushion | 42 | 96 (stronger) |
| Loan quality | 97 (stronger) | 68 |
| Earnings | 63 | 88 (stronger) |
| Funding & liquidity | 88 (stronger) | 66 |
| Problem-loan coverage | 95 (stronger) | 86 |
| Peer percentile | 50th | 82nd |
| Total assets | $137.6M | $908.8M |
| Deposits / shares | $126.5M | $747.9M |
| Capital ratio | 9.23% | 14.56% (stronger) |
| Problem loans | 0.08% (stronger) | 0.96% |
| Net charge-offs | 0.06% (stronger) | 0.73% |
| Return on assets | 1.08% | 1.71% (stronger) |
| Loans ÷ deposits | 72.6% (stronger) | 94.5% |
| Uninsured deposits | 12.2% | 7.1% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.5% |
Day Air Credit Union has the higher TellerScore (82 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Twin Valley Bank leads on 3 and Day Air Credit Union on 4. 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.