Side-by-side · Q2 2026 data
Valley First Federal Credit Union vs Safe 1 Credit Union
Metric by metric
| Measure | Valley First Federal Credit Union | Safe 1 Credit Union |
|---|---|---|
| TellerScore | 62 | 90 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 76 | 88 (stronger) |
| Earnings | 43 | 90 (stronger) |
| Funding & liquidity | 71 (stronger) | 68 |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 30th | 98th |
| Total assets | $1.1B | $1.2B |
| Deposits / shares | $925.8M | $963.8M |
| Capital ratio | 9.81% | 16.03% (stronger) |
| Problem loans | 0.71% | 0.37% (stronger) |
| Net charge-offs | 1.07% | 0.40% (stronger) |
| Return on assets | 0.57% | 1.74% (stronger) |
| Loans ÷ deposits | 89.7% (stronger) | 92.4% |
| Uninsured deposits | 5.6% | 1.8% (stronger) |
| Offices | 7 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.3% |
Safe 1 Credit Union has the higher TellerScore (90 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Valley First Federal Credit Union leads on 1 and Safe 1 Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.