Side-by-side · Q2 2026 data
Valley Oak Credit Union vs Nikkei Credit Union
Credit union
Valley Oak Credit Union
Three Rivers, California · Under $100 million in assets
Metric by metric
| Measure | Valley Oak Credit Union | Nikkei Credit Union |
|---|---|---|
| TellerScore | 49 | 53 (stronger) |
| Capital cushion | 18 | 92 (stronger) |
| Loan quality | 76 (stronger) | 10 |
| Earnings | 19 | 25 (stronger) |
| Funding & liquidity | 82 (stronger) | 78 |
| Problem-loan coverage | 84 (stronger) | 58 |
| Peer percentile | 8th | 12th |
| Total assets | $82.2M | $81.5M |
| Deposits / shares | $74.6M | $69.6M |
| Capital ratio | 6.85% | 14.23% (stronger) |
| Problem loans | 0.71% (stronger) | 2.69% |
| Net charge-offs | 0.34% | 0.00% (stronger) |
| Return on assets | -0.03% | 0.13% (stronger) |
| Loans ÷ deposits | 78.1% (stronger) | 82.5% |
| Uninsured deposits | 1.5% | 0.7% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Nikkei Credit Union has the higher TellerScore (53 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Valley Oak Credit Union leads on 2 and Nikkei Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.