Side-by-side · Q2 2026 data
Ventura County Credit Union vs Adelfi Credit Union
Metric by metric
| Measure | Ventura County Credit Union | Adelfi Credit Union |
|---|---|---|
| TellerScore | 47 | 74 (stronger) |
| Capital cushion | 51 | 78 (stronger) |
| Loan quality | 0 | 71 (stronger) |
| Earnings | 68 (stronger) | 61 |
| Funding & liquidity | 82 (stronger) | 76 |
| Problem-loan coverage | 57 | 90 (stronger) |
| Peer percentile | 4th | 72nd |
| Total assets | $1.5B | $1.4B |
| Deposits / shares | $1.3B | $1.2B |
| Capital ratio | 10.14% | 12.85% (stronger) |
| Problem loans | 3.17% | 0.87% (stronger) |
| Net charge-offs | 0.44% (stronger) | 0.52% |
| Return on assets | 1.21% (stronger) | 1.03% |
| Loans ÷ deposits | 78.2% (stronger) | 84.6% |
| Uninsured deposits | 9.5% | 0.0% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.6% | — |
Adelfi Credit Union has the higher TellerScore (74 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Ventura County Credit Union leads on 3 and Adelfi Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.