Side-by-side · Q2 2026 data
Trailhead Federal Credit Union vs Valley Credit Union
Metric by metric
| Measure | Trailhead Federal Credit Union | Valley Credit Union |
|---|---|---|
| TellerScore | 28 | 48 (stronger) |
| Capital cushion | 38 | 78 (stronger) |
| Loan quality | 0 | 0 |
| Earnings | 0 | 34 (stronger) |
| Funding & liquidity | 86 (stronger) | 85 |
| Problem-loan coverage | 37 | 46 (stronger) |
| Peer percentile | 0th | 4th |
| Total assets | $156.0M | $118.6M |
| Deposits / shares | $140.8M | $103.1M |
| Capital ratio | 8.80% | 12.79% (stronger) |
| Problem loans | 4.14% (stronger) | 5.22% |
| Net charge-offs | 0.37% (stronger) | 1.63% |
| Return on assets | -1.30% | 0.35% (stronger) |
| Loans ÷ deposits | 74.0% (stronger) | 75.6% |
| Uninsured deposits | 1.6% (stronger) | 5.9% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Valley Credit Union has the higher TellerScore (48 vs 28). On the 7 directional measures above (where higher or lower is clearly better), Trailhead Federal Credit Union leads on 4 and Valley Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.