Side-by-side · Q2 2026 data
Valley Credit Union vs Lauderdale County Teachers Credit Union
Credit union
Lauderdale County Teachers Credit Union
Florence, Alabama · Under $100 million in assets
Metric by metric
| Measure | Valley Credit Union | Lauderdale County Teachers Credit Union |
|---|---|---|
| TellerScore | 84 | 90 (stronger) |
| Capital cushion | 90 (stronger) | 78 |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 42 | 83 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 86th | 89th |
| Total assets | $112.9M | $38.5M |
| Deposits / shares | $98.2M | $33.3M |
| Capital ratio | 13.96% (stronger) | 12.80% |
| Problem loans | 0.20% | 0.00% (stronger) |
| Net charge-offs | 0.43% | 0.04% (stronger) |
| Return on assets | 0.55% | 1.57% (stronger) |
| Loans ÷ deposits | 39.1% | 37.3% (stronger) |
| Uninsured deposits | 3.0% | 2.9% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lauderdale County Teachers Credit Union has the higher TellerScore (90 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Valley Credit Union leads on 1 and Lauderdale County Teachers Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.