Side-by-side · Q2 2026 data
Valley Federal Credit Union vs One Source Federal Credit Union
Metric by metric
| Measure | Valley Federal Credit Union | One Source Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 63 |
| Capital cushion | 76 (stronger) | 53 |
| Loan quality | 85 | 91 (stronger) |
| Earnings | 32 (stronger) | 2 |
| Funding & liquidity | 90 | 95 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 60th | 29th |
| Total assets | $119.1M | $124.0M |
| Deposits / shares | $102.9M | $110.4M |
| Capital ratio | 12.61% (stronger) | 10.29% |
| Problem loans | 0.46% | 0.27% (stronger) |
| Net charge-offs | 0.66% (stronger) | 1.52% |
| Return on assets | 0.29% (stronger) | -0.44% |
| Loans ÷ deposits | 70.5% | 65.4% (stronger) |
| Uninsured deposits | 2.9% (stronger) | 6.4% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Valley Federal Credit Union has the higher TellerScore (73 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Valley Federal Credit Union leads on 5 and One Source Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.