Side-by-side · Q2 2026 data
Valley State Bank vs Family Security Credit Union
Metric by metric
| Measure | Valley State Bank | Family Security Credit Union |
|---|---|---|
| TellerScore | 82 | 95 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 68 | 80 (stronger) |
| Earnings | 75 | 99 (stronger) |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 82nd | 100th |
| Total assets | $169.5M | $1.1B |
| Deposits / shares | $139.4M | $876.5M |
| Capital ratio | 17.80% | 19.92% (stronger) |
| Problem loans | 0.97% | 0.61% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.55% |
| Return on assets | 1.37% | 1.98% (stronger) |
| Loans ÷ deposits | 62.9% | 47.7% (stronger) |
| Uninsured deposits | 40.7% | 2.9% (stronger) |
| Offices | 2 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 37.5% |
Family Security Credit Union has the higher TellerScore (95 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Valley State Bank leads on 1 and Family Security Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.