Side-by-side · Q2 2026 data
Valley Credit Union vs 44 North Credit Union
Metric by metric
| Measure | Valley Credit Union | 44 North Credit Union |
|---|---|---|
| TellerScore | 48 | 61 (stronger) |
| Capital cushion | 78 | 78 |
| Loan quality | 0 | 41 (stronger) |
| Earnings | 34 | 39 (stronger) |
| Funding & liquidity | 85 (stronger) | 80 |
| Problem-loan coverage | 46 | 80 (stronger) |
| Peer percentile | 4th | 24th |
| Total assets | $118.6M | $157.6M |
| Deposits / shares | $103.1M | $136.0M |
| Capital ratio | 12.79% | 12.82% (stronger) |
| Problem loans | 5.22% | 1.76% (stronger) |
| Net charge-offs | 1.63% (stronger) | 1.79% |
| Return on assets | 0.35% | 0.47% (stronger) |
| Loans ÷ deposits | 75.6% (stronger) | 79.9% |
| Uninsured deposits | 5.9% (stronger) | 6.6% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
44 North Credit Union has the higher TellerScore (61 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Valley Credit Union leads on 3 and 44 North Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.