Side-by-side · Q2 2026 data
Valley Bank of Kalispell vs Whitefish Credit Union Association
Metric by metric
| Measure | Valley Bank of Kalispell | Whitefish Credit Union Association |
|---|---|---|
| TellerScore | 72 | 76 (stronger) |
| Capital cushion | 45 | 77 (stronger) |
| Loan quality | 88 | 95 (stronger) |
| Earnings | 90 (stronger) | 37 |
| Funding & liquidity | 62 | 80 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 50th | 79th |
| Total assets | $218.1M | $2.1B |
| Deposits / shares | $198.6M | $1.8B |
| Capital ratio | 9.49% | 12.70% (stronger) |
| Problem loans | 0.35% | 0.15% (stronger) |
| Net charge-offs | -0.07% (stronger) | 0.02% |
| Return on assets | 1.76% (stronger) | 0.43% |
| Loans ÷ deposits | 74.7% (stronger) | 80.0% |
| Uninsured deposits | 36.1% | 11.9% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Whitefish Credit Union Association has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Valley Bank of Kalispell leads on 3 and Whitefish Credit Union Association 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.