Side-by-side · Q2 2026 data
Valley Communities Credit Union vs Unitedone Credit Union
Metric by metric
| Measure | Valley Communities Credit Union | Unitedone Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 73 |
| Capital cushion | 80 (stronger) | 68 |
| Loan quality | 91 | 92 (stronger) |
| Earnings | 56 | 57 (stronger) |
| Funding & liquidity | 100 (stronger) | 58 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 83rd | 60th |
| Total assets | $306.9M | $348.3M |
| Deposits / shares | $264.2M | $282.7M |
| Capital ratio | 12.97% (stronger) | 11.82% |
| Problem loans | 0.28% | 0.24% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.12% |
| Return on assets | 0.91% | 0.92% (stronger) |
| Loans ÷ deposits | 59.2% (stronger) | 102.3% |
| Uninsured deposits | 6.0% (stronger) | 6.2% |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.4% | 13.8% |
Valley Communities Credit Union has the higher TellerScore (83 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Valley Communities Credit Union leads on 5 and Unitedone Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.