Side-by-side · Q2 2026 data
Valley Credit Union vs First Community Credit Union
Metric by metric
| Measure | Valley Credit Union | First Community Credit Union |
|---|---|---|
| TellerScore | 48 | 86 (stronger) |
| Capital cushion | 78 | 83 (stronger) |
| Loan quality | 0 | 99 (stronger) |
| Earnings | 34 | 72 (stronger) |
| Funding & liquidity | 85 (stronger) | 79 |
| Problem-loan coverage | 46 | 99 (stronger) |
| Peer percentile | 4th | 95th |
| Total assets | $118.6M | $1.9B |
| Deposits / shares | $103.1M | $1.6B |
| Capital ratio | 12.79% | 13.29% (stronger) |
| Problem loans | 5.22% | 0.04% (stronger) |
| Net charge-offs | 1.63% | 0.04% (stronger) |
| Return on assets | 0.35% | 1.31% (stronger) |
| Loans ÷ deposits | 75.6% (stronger) | 81.0% |
| Uninsured deposits | 5.9% (stronger) | 6.3% |
| Offices | 1 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Community Credit Union has the higher TellerScore (86 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Valley Credit Union leads on 2 and First Community Credit Union on 5. 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.