Side-by-side · Q2 2026 data
Valley Financial Credit Union vs Rocky Mountain Credit Union
Metric by metric
| Measure | Valley Financial Credit Union | Rocky Mountain Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 53 |
| Capital cushion | 57 (stronger) | 37 |
| Loan quality | 92 (stronger) | 62 |
| Earnings | 54 (stronger) | 27 |
| Funding & liquidity | 73 | 87 (stronger) |
| Problem-loan coverage | 96 (stronger) | 83 |
| Peer percentile | 54th | 9th |
| Total assets | $600.9M | $426.5M |
| Deposits / shares | $531.0M | $366.6M |
| Capital ratio | 10.68% (stronger) | 8.74% |
| Problem loans | 0.25% (stronger) | 1.15% |
| Net charge-offs | 0.36% (stronger) | 0.48% |
| Return on assets | 0.84% (stronger) | 0.17% |
| Loans ÷ deposits | 87.5% | 73.6% (stronger) |
| Uninsured deposits | 7.1% | 0.0% (stronger) |
| Offices | 11 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.6% | 18.0% |
Valley Financial Credit Union has the higher TellerScore (71 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Valley Financial Credit Union leads on 5 and Rocky Mountain Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.