Side-by-side · Q2 2026 data
Valley 1st Community Federal Credit Union vs Westmoreland Water Federal Credit Union
Credit union
Valley 1st Community Federal Credit Union
Monessen, Pennsylvania · $100 million – $1 billion
Credit union
Westmoreland Water Federal Credit Union
Greensburg, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Valley 1st Community Federal Credit Union | Westmoreland Water Federal Credit Union |
|---|---|---|
| TellerScore | 89 | 97 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 75 | 96 (stronger) |
| Earnings | 87 | 89 (stronger) |
| Funding & liquidity | 89 | 100 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 94th | 98th |
| Total assets | $106.9M | $23.5M |
| Deposits / shares | $82.7M | $19.1M |
| Capital ratio | 23.12% (stronger) | 18.89% |
| Problem loans | 0.75% | 0.12% (stronger) |
| Net charge-offs | 0.21% | -0.02% (stronger) |
| Return on assets | 1.69% | 1.71% (stronger) |
| Loans ÷ deposits | 71.0% | 32.6% (stronger) |
| Uninsured deposits | 7.5% | 2.1% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Westmoreland Water Federal Credit Union has the higher TellerScore (97 vs 89). On the 7 directional measures above (where higher or lower is clearly better), Valley 1st Community Federal Credit Union leads on 1 and Westmoreland Water Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.