Side-by-side · Q2 2026 data
Valley Credit Union vs Railway Employees Credit Union
Credit union
Railway Employees Credit Union
Muscle Shoals, Alabama · Under $100 million in assets
Metric by metric
| Measure | Valley Credit Union | Railway Employees Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 82 |
| Capital cushion | 90 | 100 (stronger) |
| Loan quality | 93 (stronger) | 68 |
| Earnings | 42 | 51 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 86th | 70th |
| Total assets | $112.9M | $21.1M |
| Deposits / shares | $98.2M | $16.7M |
| Capital ratio | 13.96% | 22.01% (stronger) |
| Problem loans | 0.20% (stronger) | 0.97% |
| Net charge-offs | 0.43% | 0.33% (stronger) |
| Return on assets | 0.55% | 0.78% (stronger) |
| Loans ÷ deposits | 39.1% | 33.6% (stronger) |
| Uninsured deposits | 3.0% (stronger) | 12.1% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Valley Credit Union has the higher TellerScore (84 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Valley Credit Union leads on 3 and Railway Employees Credit Union on 4. 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.