Side-by-side · Q2 2026 data
Valley Credit Union vs TVA Community Credit Union
Metric by metric
| Measure | Valley Credit Union | TVA Community Credit Union |
|---|---|---|
| TellerScore | 84 | 90 (stronger) |
| Capital cushion | 90 | 100 (stronger) |
| Loan quality | 93 (stronger) | 89 |
| Earnings | 42 | 63 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 86th | 95th |
| Total assets | $112.9M | $429.0M |
| Deposits / shares | $98.2M | $373.4M |
| Capital ratio | 13.96% | 18.38% (stronger) |
| Problem loans | 0.20% (stronger) | 0.32% |
| Net charge-offs | 0.43% | 0.33% (stronger) |
| Return on assets | 0.55% | 1.08% (stronger) |
| Loans ÷ deposits | 39.1% (stronger) | 46.3% |
| Uninsured deposits | 3.0% (stronger) | 5.1% |
| Offices | 4 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.7% |
TVA Community 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 3 and TVA Community Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Muscle Shoals, AL
- Sheffield, AL
- Tuscumbia, AL