Side-by-side · Q2 2026 data
Valley First Federal Credit Union vs Water and Power Community Credit Union
Credit union
Water and Power Community Credit Union
Los Angeles, California · $1 billion – $10 billion
Metric by metric
| Measure | Valley First Federal Credit Union | Water and Power Community Credit Union |
|---|---|---|
| TellerScore | 62 | 71 (stronger) |
| Capital cushion | 48 | 52 (stronger) |
| Loan quality | 76 | 80 (stronger) |
| Earnings | 43 | 73 (stronger) |
| Funding & liquidity | 71 | 76 (stronger) |
| Problem-loan coverage | 89 | 92 (stronger) |
| Peer percentile | 30th | 62nd |
| Total assets | $1.1B | $1.0B |
| Deposits / shares | $925.8M | $826.2M |
| Capital ratio | 9.81% | 10.19% (stronger) |
| Problem loans | 0.71% | 0.61% (stronger) |
| Net charge-offs | 1.07% | 0.44% (stronger) |
| Return on assets | 0.57% | 1.31% (stronger) |
| Loans ÷ deposits | 89.7% | 83.8% (stronger) |
| Uninsured deposits | 5.6% (stronger) | 12.4% |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.8% |
Water and Power Community Credit Union has the higher TellerScore (71 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Valley First Federal Credit Union leads on 1 and Water and Power Community Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.