Side-by-side · Q2 2026 data
U.S.B. Employees Federal Credit Union vs Fountain Valley Credit Union
Credit union
U.S.B. Employees Federal Credit Union
Wilmington, California · Under $100 million in assets
Credit union
Fountain Valley Credit Union
Fountain Valley, California · Under $100 million in assets
Metric by metric
| Measure | U.S.B. Employees Federal Credit Union | Fountain Valley Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 80 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 | 100 |
| Earnings | 81 (stronger) | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 97th | 65th |
| Total assets | $3.2M | $2.0M |
| Deposits / shares | $2.6M | $1.5M |
| Capital ratio | 20.23% | 23.01% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | -0.20% (stronger) |
| Return on assets | 1.53% (stronger) | -1.23% |
| Loans ÷ deposits | 9.4% (stronger) | 36.6% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
U.S.B. Employees Federal Credit Union has the higher TellerScore (96 vs 80). On the 5 directional measures above (where higher or lower is clearly better), U.S.B. Employees Federal Credit Union leads on 3 and Fountain Valley Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.