Side-by-side · Q2 2026 data
Valley Communities Credit Union vs First Choice Credit Union
Credit union
First Choice Credit Union
Marshfield, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | Valley Communities Credit Union | First Choice Credit Union |
|---|---|---|
| TellerScore | 83 | 89 (stronger) |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 91 (stronger) | 78 |
| Earnings | 56 | 86 (stronger) |
| Funding & liquidity | 100 (stronger) | 87 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 83rd | 87th |
| Total assets | $306.9M | $51.0M |
| Deposits / shares | $264.2M | $42.2M |
| Capital ratio | 12.97% | 16.34% (stronger) |
| Problem loans | 0.28% (stronger) | 0.65% |
| Net charge-offs | 0.06% (stronger) | 0.37% |
| Return on assets | 0.91% | 1.66% (stronger) |
| Loans ÷ deposits | 59.2% (stronger) | 72.8% |
| Uninsured deposits | 6.0% | 0.0% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.4% | — |
First Choice Credit Union has the higher TellerScore (89 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Valley Communities Credit Union leads on 3 and First Choice Credit Union 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.