Side-by-side · Q2 2026 data
Valley State Bank vs Electrical Workers No 558 Federal Credit Union
Credit union
Electrical Workers No 558 Federal Credit Union
Sheffield, Alabama · Under $100 million in assets
Metric by metric
| Measure | Valley State Bank | Electrical Workers No 558 Federal Credit Union |
|---|---|---|
| TellerScore | 82 | 99 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 68 | 100 (stronger) |
| Earnings | 75 | 97 (stronger) |
| Funding & liquidity | 69 | 94 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 82nd | 99th |
| Total assets | $169.5M | $45.9M |
| Deposits / shares | $139.4M | $36.3M |
| Capital ratio | 17.80% | 20.52% (stronger) |
| Problem loans | 0.97% | 0.00% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.08% |
| Return on assets | 1.37% | 1.92% (stronger) |
| Loans ÷ deposits | 62.9% (stronger) | 65.4% |
| Uninsured deposits | 40.7% | 15.6% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Electrical Workers No 558 Federal Credit Union has the higher TellerScore (99 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Valley State Bank leads on 2 and Electrical Workers No 558 Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.