Side-by-side · Q2 2026 data
Valley Federal Credit Union vs Telco Plus Credit Union
Metric by metric
| Measure | Valley Federal Credit Union | Telco Plus Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 54 |
| Capital cushion | 76 (stronger) | 43 |
| Loan quality | 85 | 90 (stronger) |
| Earnings | 32 (stronger) | 2 |
| Funding & liquidity | 90 (stronger) | 64 |
| Problem-loan coverage | 95 (stronger) | 86 |
| Peer percentile | 60th | 10th |
| Total assets | $119.1M | $124.3M |
| Deposits / shares | $102.9M | $108.2M |
| Capital ratio | 12.61% (stronger) | 9.28% |
| Problem loans | 0.46% | 0.31% (stronger) |
| Net charge-offs | 0.66% (stronger) | 1.27% |
| Return on assets | 0.29% (stronger) | -0.44% |
| Loans ÷ deposits | 70.5% (stronger) | 96.6% |
| Uninsured deposits | 2.9% (stronger) | 3.2% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.8% |
Valley Federal Credit Union has the higher TellerScore (73 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Valley Federal Credit Union leads on 6 and Telco Plus Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.