Side-by-side · Q2 2026 data
Valley Educators Credit Union vs Options Credit Union
Metric by metric
| Measure | Valley Educators Credit Union | Options Credit Union |
|---|---|---|
| TellerScore | 56 (stronger) | 41 |
| Capital cushion | 100 (stronger) | 20 |
| Loan quality | 19 | 60 (stronger) |
| Earnings | 14 | 17 (stronger) |
| Funding & liquidity | 68 (stronger) | 62 |
| Problem-loan coverage | 85 (stronger) | 71 |
| Peer percentile | 16th | 3rd |
| Total assets | $6.1M | $5.5M |
| Deposits / shares | $4.8M | $5.0M |
| Capital ratio | 21.96% (stronger) | 7.02% |
| Problem loans | 2.42% | 1.20% (stronger) |
| Net charge-offs | 1.89% | -0.00% (stronger) |
| Return on assets | -0.15% | -0.06% (stronger) |
| Loans ÷ deposits | 92.5% (stronger) | 98.3% |
| Uninsured deposits | 0.0% (stronger) | 2.4% |
| 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 41). On the 7 directional measures above (where higher or lower is clearly better), Valley Educators Credit Union leads on 4 and Options Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.