Side-by-side · Q2 2026 data
Vallant Bank vs E L C O Federal Credit Union
Metric by metric
| Measure | Vallant Bank | E L C O Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 84 (stronger) |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 83 (stronger) | 74 |
| Earnings | 73 | 78 (stronger) |
| Funding & liquidity | 69 | 70 (stronger) |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 86th | 75th |
| Total assets | $4.0B | $5.3M |
| Deposits / shares | $3.5B | $4.2M |
| Capital ratio | 12.70% | 20.10% (stronger) |
| Problem loans | 0.51% (stronger) | 0.78% |
| Net charge-offs | 0.08% (stronger) | 0.42% |
| Return on assets | 1.33% | 1.45% (stronger) |
| Loans ÷ deposits | 85.2% (stronger) | 90.2% |
| Uninsured deposits | 20.6% | 0.0% (stronger) |
| Offices | 36 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
E L C O Federal Credit Union has the higher TellerScore (84 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Vallant Bank leads on 3 and E L C O Federal Credit Union on 4. 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.
Where both have branches
- Elberton, GA