Side-by-side · Q2 2026 data
Valley Federal Credit Union vs Wichita Falls Teachers Federal Credit Union
Credit union
Wichita Falls Teachers Federal Credit Union
Wichita Falls, Texas · $100 million – $1 billion
Metric by metric
| Measure | Valley Federal Credit Union | Wichita Falls Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 82 (stronger) |
| Capital cushion | 76 (stronger) | 74 |
| Loan quality | 85 | 90 (stronger) |
| Earnings | 32 | 60 (stronger) |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 60th | 82nd |
| Total assets | $119.1M | $115.6M |
| Deposits / shares | $102.9M | $102.3M |
| Capital ratio | 12.61% (stronger) | 12.42% |
| Problem loans | 0.46% | 0.31% (stronger) |
| Net charge-offs | 0.66% | 0.54% (stronger) |
| Return on assets | 0.29% | 0.99% (stronger) |
| Loans ÷ deposits | 70.5% | 55.2% (stronger) |
| Uninsured deposits | 2.9% (stronger) | 6.7% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Wichita Falls Teachers Federal Credit Union has the higher TellerScore (82 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Valley Federal Credit Union leads on 2 and Wichita Falls Teachers Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.