Side-by-side · Q2 2026 data
Valley Credit Union vs Listerhill Credit Union
Metric by metric
| Measure | Valley Credit Union | Listerhill Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 69 |
| Capital cushion | 90 (stronger) | 61 |
| Loan quality | 93 (stronger) | 79 |
| Earnings | 42 | 50 (stronger) |
| Funding & liquidity | 100 (stronger) | 77 |
| Problem-loan coverage | 99 (stronger) | 91 |
| Peer percentile | 86th | 54th |
| Total assets | $112.9M | $1.5B |
| Deposits / shares | $98.2M | $1.3B |
| Capital ratio | 13.96% (stronger) | 11.06% |
| Problem loans | 0.20% (stronger) | 0.62% |
| Net charge-offs | 0.43% | 0.32% (stronger) |
| Return on assets | 0.55% | 0.75% (stronger) |
| Loans ÷ deposits | 39.1% (stronger) | 83.3% |
| Uninsured deposits | 3.0% (stronger) | 7.7% |
| Offices | 4 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.5% |
Valley Credit Union has the higher TellerScore (84 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Valley Credit Union leads on 5 and Listerhill Credit Union on 2. 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.
Where both have branches
- Muscle Shoals, AL
- Russellville, AL
- Sheffield, AL