Side-by-side · Q2 2026 data
Westamerica Bank vs Valley Strong Credit Union
Credit union
Valley Strong Credit Union
Bakersfield, California · $1 billion – $10 billion
Metric by metric
| Measure | Westamerica Bank | Valley Strong Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 51 |
| Capital cushion | 53 (stronger) | 43 |
| Loan quality | 96 (stronger) | 35 |
| Earnings | 94 (stronger) | 51 |
| Funding & liquidity | 62 | 81 (stronger) |
| Problem-loan coverage | 100 (stronger) | 70 |
| Peer percentile | 86th | 7th |
| Total assets | $5.8B | $4.1B |
| Deposits / shares | $4.8B | $3.7B |
| Capital ratio | 10.27% (stronger) | 9.27% |
| Problem loans | 0.12% (stronger) | 1.94% |
| Net charge-offs | 0.14% (stronger) | 0.78% |
| Return on assets | 1.84% (stronger) | 0.77% |
| Loans ÷ deposits | 13.8% (stronger) | 79.2% |
| Uninsured deposits | 49.6% | 8.2% (stronger) |
| Offices | 75 | 31 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 25.3% |
Westamerica Bank has the higher TellerScore (78 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Westamerica Bank leads on 6 and Valley Strong Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.