Side-by-side · Q2 2026 data
Valley Credit Union vs Heritage South Credit Union
Metric by metric
| Measure | Valley Credit Union | Heritage South Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 63 |
| Capital cushion | 90 (stronger) | 52 |
| Loan quality | 93 (stronger) | 71 |
| Earnings | 42 | 47 (stronger) |
| Funding & liquidity | 100 (stronger) | 81 |
| Problem-loan coverage | 99 (stronger) | 82 |
| Peer percentile | 86th | 29th |
| Total assets | $112.9M | $183.7M |
| Deposits / shares | $98.2M | $165.8M |
| Capital ratio | 13.96% (stronger) | 10.18% |
| Problem loans | 0.20% (stronger) | 0.88% |
| Net charge-offs | 0.43% | 0.43% (stronger) |
| Return on assets | 0.55% | 0.68% (stronger) |
| Loans ÷ deposits | 39.1% (stronger) | 79.6% |
| Uninsured deposits | 3.0% | 2.8% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.0% |
Valley Credit Union has the higher TellerScore (84 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Valley Credit Union leads on 4 and Heritage South Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.