Valley 1st Community vs Gowanda Area
Comparing a Credit Union in Monessen, PA with a Credit Union in Gowanda, NY using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Valley 1st Community ↗ Credit Union · Monessen, PA · Est. 1935 | Gowanda Area ↗ Credit Union · Gowanda, NY · Est. 1935 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Monessen, PA | Gowanda, NY |
| Total assets | $104.2M | $32.1M |
| Net worth ratio | 23.2% | 16.2% |
| Return on assets | 1.6% | 1.7% |
| Shares & deposits | — | — |
| Members | 7,342 | 1,845 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 271 | #2 of 267 |
| Established | 1935 | 1935 |
Valley 1st Community
- Assets: $104.2M
- Members: 7,342
- Capital ratio: 23.2%
- Return on assets: 1.6%
- CFPB complaints: 0
- State rank: #3 of 271
Gowanda Area
- Assets: $32.1M
- Members: 1,845
- Capital ratio: 16.2%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #2 of 267
Are both institutions federally insured?
Yes. Valley 1st Community is NCUA-insured and Gowanda Area is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Valley 1st Community or Gowanda Area?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Valley 1st Community scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Valley 1st Community safe?
Yes — Valley 1st Community is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Gowanda Area safe?
Yes — Gowanda Area is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Valley 1st Community vs Gowanda Area?
Valley 1st Community has a net worth ratio of 23.2%, placing it in the top 1% of $100M–1B peers. Gowanda Area's ratio is 16.2%, placing it in the top 38% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Valley 1st Community have compared to Gowanda Area?
The CFPB database shows 0 complaints against Valley 1st Community, and 0 complaints against Gowanda Area. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Valley 1st Community with other Credit Unions in Pennsylvania
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
