Side-by-side · Q2 2026 data
Valley One Community Federal Credit Union vs Softite Community Federal Credit Union
Credit union
Valley One Community Federal Credit Union
Steubenville, Ohio · Under $100 million in assets
Credit union
Softite Community Federal Credit Union
Martins Ferry, Ohio · Under $100 million in assets
Metric by metric
| Measure | Valley One Community Federal Credit Union | Softite Community Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 73 |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 95 (stronger) | 3 |
| Earnings | 46 | 93 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 83 |
| Peer percentile | 62nd | 47th |
| Total assets | $42.2M | $37.6M |
| Deposits / shares | $37.4M | $31.6M |
| Capital ratio | 12.17% | 15.68% (stronger) |
| Problem loans | 0.16% (stronger) | 2.91% |
| Net charge-offs | 0.13% | -0.17% (stronger) |
| Return on assets | 0.64% | 1.81% (stronger) |
| Loans ÷ deposits | 22.8% (stronger) | 53.9% |
| Uninsured deposits | 4.1% | 3.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Valley One Community Federal Credit Union has the higher TellerScore (79 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Valley One Community Federal Credit Union leads on 3 and Softite Community Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.