Side-by-side · Q2 2026 data
Valley Premier Bank vs Postal Family Federal Credit Union
Credit union
Postal Family Federal Credit Union
Fargo, North Dakota · Under $100 million in assets
Metric by metric
| Measure | Valley Premier Bank | Postal Family Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 74 |
| Capital cushion | 61 (stronger) | 55 |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 78 (stronger) | 47 |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 80th | 49th |
| Total assets | $141.0M | $30.2M |
| Deposits / shares | $127.7M | $27.1M |
| Capital ratio | 11.13% (stronger) | 10.52% |
| Problem loans | 0.00% (stronger) | 0.19% |
| Net charge-offs | 0.00% (stronger) | 0.42% |
| Return on assets | 1.44% (stronger) | 0.69% |
| Loans ÷ deposits | 70.1% | 31.6% (stronger) |
| Uninsured deposits | 22.3% | 3.0% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.1% | — |
Valley Premier Bank has the higher TellerScore (81 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Valley Premier Bank leads on 5 and Postal Family Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.