Side-by-side · Q2 2026 data
Topside Federal Credit Union vs Valleystar Credit Union
Metric by metric
| Measure | Topside Federal Credit Union | Valleystar Credit Union |
|---|---|---|
| TellerScore | 63 (stronger) | 45 |
| Capital cushion | 38 | 53 (stronger) |
| Loan quality | 62 (stronger) | 41 |
| Earnings | 60 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 78 |
| Problem-loan coverage | 86 (stronger) | 76 |
| Peer percentile | 29th | 3rd |
| Total assets | $492.1M | $503.4M |
| Deposits / shares | $455.2M | $406.1M |
| Capital ratio | 8.82% | 10.25% (stronger) |
| Problem loans | 1.14% (stronger) | 1.76% |
| Net charge-offs | 0.37% (stronger) | 0.86% |
| Return on assets | 1.01% (stronger) | -1.05% |
| Loans ÷ deposits | 58.6% (stronger) | 82.0% |
| Uninsured deposits | 8.1% | 7.7% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 42.1% | 51.4% |
Topside Federal Credit Union has the higher TellerScore (63 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Topside Federal Credit Union leads on 5 and Valleystar Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.