Side-by-side · Q2 2026 data
Valley Credit Union vs Mobile Educators Credit Union
Metric by metric
| Measure | Valley Credit Union | Mobile Educators Credit Union |
|---|---|---|
| TellerScore | 84 | 84 |
| Capital cushion | 90 (stronger) | 82 |
| Loan quality | 93 (stronger) | 75 |
| Earnings | 42 | 80 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 86th | 86th |
| Total assets | $112.9M | $113.2M |
| Deposits / shares | $98.2M | $98.2M |
| Capital ratio | 13.96% (stronger) | 13.20% |
| Problem loans | 0.20% (stronger) | 0.74% |
| Net charge-offs | 0.43% | 0.06% (stronger) |
| Return on assets | 0.55% | 1.51% (stronger) |
| Loans ÷ deposits | 39.1% | 13.4% (stronger) |
| Uninsured deposits | 3.0% | 2.0% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Valley Credit Union leads on 2 and Mobile Educators Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.