Side-by-side · Q2 2026 data
The Valley State Bank vs White Eagle Credit Union
Metric by metric
| Measure | The Valley State Bank | White Eagle Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 76 |
| Capital cushion | 72 | 90 (stronger) |
| Loan quality | 97 (stronger) | 43 |
| Earnings | 42 | 78 (stronger) |
| Funding & liquidity | 92 | 96 (stronger) |
| Problem-loan coverage | 98 (stronger) | 84 |
| Peer percentile | 72nd | 68th |
| Total assets | $200.5M | $198.5M |
| Deposits / shares | $174.0M | $168.3M |
| Capital ratio | 12.18% | 14.01% (stronger) |
| Problem loans | 0.09% (stronger) | 1.72% |
| Net charge-offs | 1.24% | 0.60% (stronger) |
| Return on assets | 0.55% | 1.46% (stronger) |
| Loans ÷ deposits | 62.1% (stronger) | 63.9% |
| Uninsured deposits | 20.8% | 7.5% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | 12.3% |
The Valley State Bank has the higher TellerScore (78 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The Valley State Bank leads on 3 and White Eagle Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.