Side-by-side · Q2 2026 data
Yampa Valley Bank vs St. Michaels Federal Credit Union
Credit union
St. Michaels Federal Credit Union
Craig, Colorado · Under $100 million in assets
Metric by metric
| Measure | Yampa Valley Bank | St. Michaels Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 86 (stronger) |
| Capital cushion | 44 | 75 (stronger) |
| Loan quality | 97 (stronger) | 80 |
| Earnings | 100 (stronger) | 95 |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 72nd | 80th |
| Total assets | $687.6M | $1.0M |
| Deposits / shares | $614.1M | $894K |
| Capital ratio | 9.39% | 12.48% (stronger) |
| Problem loans | 0.09% (stronger) | 0.61% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 2.26% (stronger) | 1.88% |
| Loans ÷ deposits | 86.3% | 45.8% (stronger) |
| Uninsured deposits | 12.3% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Michaels Federal Credit Union has the higher TellerScore (86 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Yampa Valley Bank leads on 2 and St. Michaels Federal Credit Union on 5. 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
- Craig, CO