Side-by-side · Q2 2026 data
Valley Agricultural Federal Credit Union vs Episcopal Community Federal Credit Union
Credit union
Valley Agricultural Federal Credit Union
Santa Paula, California · Under $100 million in assets
Credit union
Episcopal Community Federal Credit Union
Los Angeles, California · Under $100 million in assets
Metric by metric
| Measure | Valley Agricultural Federal Credit Union | Episcopal Community Federal Credit Union |
|---|---|---|
| TellerScore | 57 (stronger) | 34 |
| Capital cushion | 66 (stronger) | 26 |
| Loan quality | 33 (stronger) | 0 |
| Earnings | 28 (stronger) | 22 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 85 (stronger) | 63 |
| Peer percentile | 17th | 2nd |
| Total assets | $4.6M | $6.7M |
| Deposits / shares | $4.1M | $6.1M |
| Capital ratio | 11.55% (stronger) | 7.61% |
| Problem loans | 2.01% (stronger) | 5.08% |
| Net charge-offs | 0.87% (stronger) | 1.49% |
| Return on assets | 0.21% (stronger) | 0.06% |
| Loans ÷ deposits | 49.3% | 29.7% (stronger) |
| Uninsured deposits | 0.6% (stronger) | 5.9% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Valley Agricultural Federal Credit Union has the higher TellerScore (57 vs 34). On the 7 directional measures above (where higher or lower is clearly better), Valley Agricultural Federal Credit Union leads on 6 and Episcopal Community Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.