Side-by-side · Q2 2026 data
The Valley State Bank vs Ark Valley Credit Union
Metric by metric
| Measure | The Valley State Bank | Ark Valley Credit Union |
|---|---|---|
| TellerScore | 78 | 94 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 97 (stronger) | 94 |
| Earnings | 42 | 86 (stronger) |
| Funding & liquidity | 92 (stronger) | 91 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 72nd | 95th |
| Total assets | $200.5M | $57.3M |
| Deposits / shares | $174.0M | $47.8M |
| Capital ratio | 12.18% | 15.16% (stronger) |
| Problem loans | 0.09% (stronger) | 0.19% |
| Net charge-offs | 1.24% | 0.13% (stronger) |
| Return on assets | 0.55% | 1.65% (stronger) |
| Loans ÷ deposits | 62.1% (stronger) | 69.2% |
| Uninsured deposits | 20.8% | 0.0% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | — |
Ark Valley Credit Union has the higher TellerScore (94 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The Valley State Bank leads on 2 and Ark Valley Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.