Side-by-side · Q2 2026 data
Valwood Park Federal Credit Union vs United Credit Union
Credit union
Valwood Park Federal Credit Union
Carrollton, Texas · Under $100 million in assets
Metric by metric
| Measure | Valwood Park Federal Credit Union | United Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 58 |
| Capital cushion | 51 (stronger) | 21 |
| Loan quality | 86 (stronger) | 79 |
| Earnings | 36 | 45 (stronger) |
| Funding & liquidity | 91 | 95 (stronger) |
| Problem-loan coverage | 95 (stronger) | 89 |
| Peer percentile | 34th | 19th |
| Total assets | $29.7M | $29.6M |
| Deposits / shares | $26.5M | $27.2M |
| Capital ratio | 10.13% (stronger) | 7.07% |
| Problem loans | 0.41% (stronger) | 0.64% |
| Net charge-offs | 0.33% | 0.32% (stronger) |
| Return on assets | 0.40% | 0.63% (stronger) |
| Loans ÷ deposits | 57.8% (stronger) | 65.2% |
| Uninsured deposits | 23.1% | 0.2% (stronger) |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Valwood Park Federal Credit Union has the higher TellerScore (67 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Valwood Park Federal Credit Union leads on 4 and United Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.