Side-by-side · Q2 2026 data
ValueBank Texas vs Rally Credit Union
Metric by metric
| Measure | ValueBank Texas | Rally Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 76 |
| Capital cushion | 75 | 90 (stronger) |
| Loan quality | 100 (stronger) | 75 |
| Earnings | 72 (stronger) | 66 |
| Funding & liquidity | 88 (stronger) | 54 |
| Problem-loan coverage | 100 (stronger) | 89 |
| Peer percentile | 88th | 79th |
| Total assets | $303.6M | $4.8B |
| Deposits / shares | $263.0M | $4.0B |
| Capital ratio | 12.54% | 14.02% (stronger) |
| Problem loans | 0.00% (stronger) | 0.75% |
| Net charge-offs | 0.00% (stronger) | 1.01% |
| Return on assets | 1.29% (stronger) | 1.16% |
| Loans ÷ deposits | 62.6% (stronger) | 105.0% |
| Uninsured deposits | 24.1% | 15.7% (stronger) |
| Offices | 9 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.1% | 49.8% |
ValueBank Texas has the higher TellerScore (85 vs 76). On the 7 directional measures above (where higher or lower is clearly better), ValueBank Texas leads on 5 and Rally Credit Union on 2. 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.
Where both have branches
- Corpus Christi, TX
- Aransas Pass, TX