Side-by-side · Q2 2026 data
Valley 1st Community Federal Credit Union vs Palco Federal Credit Union
Credit union
Valley 1st Community Federal Credit Union
Monessen, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Valley 1st Community Federal Credit Union | Palco Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 87 |
| Capital cushion | 100 (stronger) | 81 |
| Loan quality | 75 | 93 (stronger) |
| Earnings | 87 (stronger) | 71 |
| Funding & liquidity | 89 | 100 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 94th | 91st |
| Total assets | $106.9M | $109.3M |
| Deposits / shares | $82.7M | $97.1M |
| Capital ratio | 23.12% (stronger) | 13.10% |
| Problem loans | 0.75% | 0.20% (stronger) |
| Net charge-offs | 0.21% | 0.06% (stronger) |
| Return on assets | 1.69% (stronger) | 1.28% |
| Loans ÷ deposits | 71.0% | 49.1% (stronger) |
| Uninsured deposits | 7.5% | 4.8% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.9% |
Valley 1st Community Federal Credit Union has the higher TellerScore (89 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Valley 1st Community Federal Credit Union leads on 3 and Palco Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.