Side-by-side · Q2 2026 data
Valley Communities Credit Union vs Simplicity Credit Union
Metric by metric
| Measure | Valley Communities Credit Union | Simplicity Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 57 |
| Capital cushion | 80 (stronger) | 48 |
| Loan quality | 91 (stronger) | 59 |
| Earnings | 56 (stronger) | 49 |
| Funding & liquidity | 100 (stronger) | 67 |
| Problem-loan coverage | 98 (stronger) | 79 |
| Peer percentile | 83rd | 14th |
| Total assets | $306.9M | $546.7M |
| Deposits / shares | $264.2M | $487.5M |
| Capital ratio | 12.97% (stronger) | 9.82% |
| Problem loans | 0.28% (stronger) | 1.22% |
| Net charge-offs | 0.06% (stronger) | 0.27% |
| Return on assets | 0.91% (stronger) | 0.72% |
| Loans ÷ deposits | 59.2% (stronger) | 93.2% |
| Uninsured deposits | 6.0% | 4.2% (stronger) |
| Offices | 8 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.4% | — |
Valley Communities Credit Union has the higher TellerScore (83 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Valley Communities Credit Union leads on 6 and Simplicity Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.