Side-by-side · Q2 2026 data
Valley Communities Credit Union vs Cloverbelt Credit Union
Metric by metric
| Measure | Valley Communities Credit Union | Cloverbelt Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 76 |
| Capital cushion | 80 (stronger) | 74 |
| Loan quality | 91 | 92 (stronger) |
| Earnings | 56 (stronger) | 53 |
| Funding & liquidity | 100 (stronger) | 69 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 83rd | 68th |
| Total assets | $306.9M | $354.2M |
| Deposits / shares | $264.2M | $308.0M |
| Capital ratio | 12.97% (stronger) | 12.37% |
| Problem loans | 0.28% | 0.24% (stronger) |
| Net charge-offs | 0.06% | 0.02% (stronger) |
| Return on assets | 0.91% (stronger) | 0.83% |
| Loans ÷ deposits | 59.2% (stronger) | 91.1% |
| Uninsured deposits | 6.0% (stronger) | 6.7% |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.4% | 3.3% |
Valley Communities Credit Union has the higher TellerScore (83 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Valley Communities Credit Union leads on 5 and Cloverbelt Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Mosinee, WI