Side-by-side · Q2 2026 data
Valex Federal Credit Union vs Cenla Federal Credit Union
Metric by metric
| Measure | Valex Federal Credit Union | Cenla Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 96 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 48 | 97 (stronger) |
| Earnings | 80 | 85 (stronger) |
| Funding & liquidity | 86 | 100 (stronger) |
| Problem-loan coverage | 77 | 100 (stronger) |
| Peer percentile | 24th | 99th |
| Total assets | $41.0M | $132.2M |
| Deposits / shares | $37.5M | $103.6M |
| Capital ratio | 9.48% | 21.71% (stronger) |
| Problem loans | 1.57% | 0.09% (stronger) |
| Net charge-offs | 0.59% | 0.27% (stronger) |
| Return on assets | 1.51% | 1.63% (stronger) |
| Loans ÷ deposits | 74.0% | 39.6% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 1.0% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cenla Federal Credit Union has the higher TellerScore (96 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Valex Federal Credit Union leads on 1 and Cenla Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.