Side-by-side · Q2 2026 data
Valley Communities Credit Union vs Public Service Credit Union
Metric by metric
| Measure | Valley Communities Credit Union | Public Service Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 80 |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 91 | 98 (stronger) |
| Earnings | 56 (stronger) | 36 |
| Funding & liquidity | 100 (stronger) | 58 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 83rd | 65th |
| Total assets | $306.9M | $13.9M |
| Deposits / shares | $264.2M | $11.1M |
| Capital ratio | 12.97% | 19.33% (stronger) |
| Problem loans | 0.28% | 0.07% (stronger) |
| Net charge-offs | 0.06% | -0.00% (stronger) |
| Return on assets | 0.91% (stronger) | 0.41% |
| Loans ÷ deposits | 59.2% (stronger) | 102.4% |
| Uninsured deposits | 6.0% | 0.0% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.4% | — |
Valley Communities Credit Union has the higher TellerScore (83 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Valley Communities Credit Union leads on 3 and Public Service 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.