Side-by-side · Q2 2026 data
Valley Bank of Ronan vs Whitefish Credit Union Association
Metric by metric
| Measure | Valley Bank of Ronan | Whitefish Credit Union Association |
|---|---|---|
| TellerScore | 69 | 76 (stronger) |
| Capital cushion | 43 | 77 (stronger) |
| Loan quality | 91 | 95 (stronger) |
| Earnings | 53 (stronger) | 37 |
| Funding & liquidity | 85 (stronger) | 80 |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 40th | 79th |
| Total assets | $218.1M | $2.1B |
| Deposits / shares | $197.6M | $1.8B |
| Capital ratio | 9.29% | 12.70% (stronger) |
| Problem loans | 0.26% | 0.15% (stronger) |
| Net charge-offs | 0.06% | 0.02% (stronger) |
| Return on assets | 0.83% (stronger) | 0.43% |
| Loans ÷ deposits | 74.9% (stronger) | 80.0% |
| Uninsured deposits | 12.6% | 11.9% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Whitefish Credit Union Association has the higher TellerScore (76 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Valley Bank of Ronan leads on 2 and Whitefish Credit Union Association 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.
Where both have branches
- Thompson Falls, MT