Side-by-side · Q2 2026 data
Valley First Federal Credit Union vs University Credit Union
Metric by metric
| Measure | Valley First Federal Credit Union | University Credit Union |
|---|---|---|
| TellerScore | 62 (stronger) | 44 |
| Capital cushion | 48 (stronger) | 37 |
| Loan quality | 76 (stronger) | 52 |
| Earnings | 43 (stronger) | 21 |
| Funding & liquidity | 71 (stronger) | 59 |
| Problem-loan coverage | 89 (stronger) | 71 |
| Peer percentile | 30th | 3rd |
| Total assets | $1.1B | $1.2B |
| Deposits / shares | $925.8M | $990.9M |
| Capital ratio | 9.81% (stronger) | 8.73% |
| Problem loans | 0.71% (stronger) | 1.45% |
| Net charge-offs | 1.07% | 0.78% (stronger) |
| Return on assets | 0.57% (stronger) | 0.03% |
| Loans ÷ deposits | 89.7% (stronger) | 100.8% |
| Uninsured deposits | 5.6% (stronger) | 15.0% |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Valley First Federal Credit Union has the higher TellerScore (62 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Valley First Federal Credit Union leads on 6 and University Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.