Side-by-side · Q2 2026 data
Valley Communities Credit Union vs Athens Area Credit Union
Metric by metric
| Measure | Valley Communities Credit Union | Athens Area Credit Union |
|---|---|---|
| TellerScore | 83 | 84 (stronger) |
| Capital cushion | 80 | 84 (stronger) |
| Loan quality | 91 (stronger) | 79 |
| Earnings | 56 | 70 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 83rd | 75th |
| Total assets | $306.9M | $49.9M |
| Deposits / shares | $264.2M | $42.9M |
| Capital ratio | 12.97% | 13.35% (stronger) |
| Problem loans | 0.28% (stronger) | 0.63% |
| Net charge-offs | 0.06% | 0.04% (stronger) |
| Return on assets | 0.91% | 1.25% (stronger) |
| Loans ÷ deposits | 59.2% | 40.7% (stronger) |
| Uninsured deposits | 6.0% | 2.8% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.4% | — |
Athens Area Credit Union has the higher TellerScore (84 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Valley Communities Credit Union leads on 1 and Athens Area Credit Union on 6. 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.