Side-by-side · Q2 2026 data
Woodtrust Bank vs Valley Communities Credit Union
Metric by metric
| Measure | Woodtrust Bank | Valley Communities Credit Union |
|---|---|---|
| TellerScore | 68 | 83 (stronger) |
| Capital cushion | 59 | 80 (stronger) |
| Loan quality | 56 | 91 (stronger) |
| Earnings | 100 (stronger) | 56 |
| Funding & liquidity | 48 | 100 (stronger) |
| Problem-loan coverage | 87 | 98 (stronger) |
| Peer percentile | 37th | 83rd |
| Total assets | $734.8M | $306.9M |
| Deposits / shares | $600.7M | $264.2M |
| Capital ratio | 10.93% | 12.97% (stronger) |
| Problem loans | 1.33% | 0.28% (stronger) |
| Net charge-offs | 1.07% | 0.06% (stronger) |
| Return on assets | 3.43% (stronger) | 0.91% |
| Loans ÷ deposits | 62.4% | 59.2% (stronger) |
| Uninsured deposits | 60.4% | 6.0% (stronger) |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.1% | 20.4% |
Valley Communities Credit Union has the higher TellerScore (83 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Woodtrust Bank leads on 1 and Valley Communities Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.