Side-by-side · Q2 2026 data
United Valley Bank vs Red Lake Co Op Federal Credit Union
Credit union
Red Lake Co Op Federal Credit Union
Red Lake Falls, Minnesota · Under $100 million in assets
Metric by metric
| Measure | United Valley Bank | Red Lake Co Op Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 74 (stronger) |
| Capital cushion | 55 | 79 (stronger) |
| Loan quality | 96 | 100 (stronger) |
| Earnings | 64 (stronger) | 20 |
| Funding & liquidity | 62 | 78 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 50th | 49th |
| Total assets | $751.6M | $7.0M |
| Deposits / shares | $628.5M | $6.1M |
| Capital ratio | 10.50% | 12.88% (stronger) |
| Problem loans | 0.13% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.10% (stronger) | 0.01% |
| Loans ÷ deposits | 86.5% | 81.8% (stronger) |
| Uninsured deposits | 25.2% | 0.0% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Red Lake Co Op Federal Credit Union has the higher TellerScore (74 vs 72). On the 7 directional measures above (where higher or lower is clearly better), United Valley Bank leads on 2 and Red Lake Co Op Federal Credit Union on 5. 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.