Side-by-side · Q2 2026 data
Valley Federal Credit Union vs Brownsville City Employees Federal Credit Union
Credit union
Brownsville City Employees Federal Credit Union
Brownsville, Texas · Under $100 million in assets
Metric by metric
| Measure | Valley Federal Credit Union | Brownsville City Employees Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 83 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 85 | 87 (stronger) |
| Earnings | 32 | 33 (stronger) |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 60th | 72nd |
| Total assets | $119.1M | $6.9M |
| Deposits / shares | $102.9M | $4.6M |
| Capital ratio | 12.61% | 31.93% (stronger) |
| Problem loans | 0.46% | 0.40% (stronger) |
| Net charge-offs | 0.66% (stronger) | 1.56% |
| Return on assets | 0.29% | 0.32% (stronger) |
| Loans ÷ deposits | 70.5% | 46.7% (stronger) |
| Uninsured deposits | 2.9% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Brownsville City Employees Federal Credit Union has the higher TellerScore (83 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Valley Federal Credit Union leads on 1 and Brownsville City Employees Federal Credit Union on 6. 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.