Side-by-side · Q2 2026 data
The Valley State Bank vs Sunflower Federal Credit Union
Metric by metric
| Measure | The Valley State Bank | Sunflower Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 35 |
| Capital cushion | 72 | 82 (stronger) |
| Loan quality | 97 (stronger) | 0 |
| Earnings | 42 (stronger) | 0 |
| Funding & liquidity | 92 (stronger) | 67 |
| Problem-loan coverage | 98 (stronger) | 0 |
| Peer percentile | 72nd | 2nd |
| Total assets | $200.5M | $322K |
| Deposits / shares | $174.0M | $279K |
| Capital ratio | 12.18% | 13.21% (stronger) |
| Problem loans | 0.09% (stronger) | 11.13% |
| Net charge-offs | 1.24% | -1.62% (stronger) |
| Return on assets | 0.55% (stronger) | -1.80% |
| Loans ÷ deposits | 62.1% (stronger) | 93.6% |
| Uninsured deposits | 20.8% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | — |
The Valley State Bank has the higher TellerScore (78 vs 35). On the 7 directional measures above (where higher or lower is clearly better), The Valley State Bank leads on 4 and Sunflower Federal 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.