Side-by-side · Q2 2026 data
Valley Federal Credit Union vs Centex Citizens Credit Union
Metric by metric
| Measure | Valley Federal Credit Union | Centex Citizens Credit Union |
|---|---|---|
| TellerScore | 73 | 89 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 85 | 85 |
| Earnings | 32 | 69 (stronger) |
| Funding & liquidity | 90 | 95 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 60th | 94th |
| Total assets | $119.1M | $118.9M |
| Deposits / shares | $102.9M | $97.7M |
| Capital ratio | 12.61% | 17.16% (stronger) |
| Problem loans | 0.46% | 0.44% (stronger) |
| Net charge-offs | 0.66% | 0.11% (stronger) |
| Return on assets | 0.29% | 1.23% (stronger) |
| Loans ÷ deposits | 70.5% | 65.7% (stronger) |
| Uninsured deposits | 2.9% (stronger) | 5.6% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Centex Citizens Credit Union has the higher TellerScore (89 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Valley Federal Credit Union leads on 1 and Centex Citizens Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.