Side-by-side · Q2 2026 data
Valley One Community Federal Credit Union vs Harvest Federal Credit Union
Credit union
Valley One Community Federal Credit Union
Steubenville, Ohio · Under $100 million in assets
Metric by metric
| Measure | Valley One Community Federal Credit Union | Harvest Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 84 (stronger) |
| Capital cushion | 72 | 78 (stronger) |
| Loan quality | 95 (stronger) | 90 |
| Earnings | 46 | 66 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 62nd | 75th |
| Total assets | $42.2M | $43.9M |
| Deposits / shares | $37.4M | $38.1M |
| Capital ratio | 12.17% | 12.80% (stronger) |
| Problem loans | 0.16% (stronger) | 0.30% |
| Net charge-offs | 0.13% | 0.02% (stronger) |
| Return on assets | 0.64% | 1.16% (stronger) |
| Loans ÷ deposits | 22.8% (stronger) | 43.7% |
| Uninsured deposits | 4.1% | 2.7% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Harvest Federal Credit Union has the higher TellerScore (84 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Valley One Community Federal Credit Union leads on 2 and Harvest Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.