Side-by-side · Q2 2026 data
Valley Federal Credit Union vs Members Credit Union
Metric by metric
| Measure | Valley Federal Credit Union | Members Credit Union |
|---|---|---|
| TellerScore | 73 | 74 (stronger) |
| Capital cushion | 76 (stronger) | 63 |
| Loan quality | 85 (stronger) | 77 |
| Earnings | 32 | 58 (stronger) |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 60th | 63rd |
| Total assets | $119.1M | $117.5M |
| Deposits / shares | $102.9M | $105.9M |
| Capital ratio | 12.61% (stronger) | 11.27% |
| Problem loans | 0.46% (stronger) | 0.68% |
| Net charge-offs | 0.66% | 0.50% (stronger) |
| Return on assets | 0.29% | 0.95% (stronger) |
| Loans ÷ deposits | 70.5% | 54.7% (stronger) |
| Uninsured deposits | 2.9% (stronger) | 11.1% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members Credit Union has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Valley Federal Credit Union leads on 3 and Members Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.