Side-by-side · Q2 2026 data
Valley Educators Credit Union vs One Thirteen Credit Union
Credit union
One Thirteen Credit Union
Colorado Spring, Colorado · Under $100 million in assets
Metric by metric
| Measure | Valley Educators Credit Union | One Thirteen Credit Union |
|---|---|---|
| TellerScore | 56 (stronger) | 43 |
| Capital cushion | 100 (stronger) | 44 |
| Loan quality | 19 | 25 (stronger) |
| Earnings | 14 (stronger) | 6 |
| Funding & liquidity | 68 | 96 (stronger) |
| Problem-loan coverage | 85 (stronger) | 76 |
| Peer percentile | 16th | 4th |
| Total assets | $6.1M | $8.5M |
| Deposits / shares | $4.8M | $7.7M |
| Capital ratio | 21.96% (stronger) | 9.38% |
| Problem loans | 2.42% | 2.25% (stronger) |
| Net charge-offs | 1.89% | -0.54% (stronger) |
| Return on assets | -0.15% (stronger) | -0.35% |
| Loans ÷ deposits | 92.5% | 63.8% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Valley Educators Credit Union has the higher TellerScore (56 vs 43). On the 6 directional measures above (where higher or lower is clearly better), Valley Educators Credit Union leads on 3 and One Thirteen Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.