Side-by-side · Q2 2026 data
Valley Bank of Commerce vs Chaves County School Employees Credit Union
Credit union
Chaves County School Employees Credit Union
Roswell, New Mexico · Under $100 million in assets
Metric by metric
| Measure | Valley Bank of Commerce | Chaves County School Employees Credit Union |
|---|---|---|
| TellerScore | 64 | 100 (stronger) |
| Capital cushion | 95 | 100 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 77 | 100 (stronger) |
| Peer percentile | 26th | 100th |
| Total assets | $304.1M | $40.1M |
| Deposits / shares | $260.2M | $31.6M |
| Capital ratio | 14.47% | 20.88% (stronger) |
| Problem loans | 3.32% | 0.00% (stronger) |
| Net charge-offs | -0.15% (stronger) | 0.00% |
| Return on assets | 3.53% (stronger) | 2.18% |
| Loans ÷ deposits | 59.6% | 37.2% (stronger) |
| Uninsured deposits | 57.0% | 6.2% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Chaves County School Employees Credit Union has the higher TellerScore (100 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Valley Bank of Commerce leads on 2 and Chaves County School Employees Credit Union on 5. 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.