This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Scottsdale, AZ
Health score
53.0
Total assets
$125.2M
Bank
Goodyear, AZ
Health score
60.5
Total assets
$74.3M
Answer first
Scottsdale Community Bank leads on capitalization and profitability and growth; West Valley National Bank leads on financial health and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
West Valley National Bank
Higher TFS health score
Capitalization
Scottsdale Community Bank
Higher comparable capital ratio
Profitability
Scottsdale Community Bank
Higher return on assets
Lending quality
West Valley National Bank
Lower problem-loan measure
Growth
Scottsdale Community Bank
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Scottsdale Community Bank | West Valley National Bank |
|---|---|---|
| TFS health score | 53.0/100 | 60.5/100Leads |
| Total assets | $125.2M | $74.3M |
| Total deposits / shares | $99.7M | $59.4M |
| Tier 1 capital ratio | 11.37%Leads | 9.36% |
| Return on assets | 0.28%Leads | -1.75% |
| Return on equity | 2.53%Leads |
Scottsdale Community Bank
1 branches
West Valley National Bank
4 branches
Both institutions report branches in 1 state: AZ.
Scottsdale Community Bank
Unavailable
West Valley National Bank
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Scottsdale Community Bank
0 in TFS registry
West Valley National Bank
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Scottsdale Community Bank score | Scottsdale Community Bank ROA | West Valley National Bank score | West Valley National Bank ROA |
|---|---|---|---|---|
| 2024-Q3 | — | -1.76% | — | -1.58% |
| 2024-Q4 | — | -1.50% | — | -2.11% |
| 2025-Q1 | — | -0.72% | — | -1.97% |
| 2025-Q2 | — | -0.61% | — | -2.15% |
| 2025-Q3 | — | -0.56% | — | -1.46% |
| 2025-Q4 | — | -0.39% | — | -2.43% |
| 2026-Q1 | 63.2/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| -18.94% |
| Non-performing loans | 2.68% | 0.00%Leads |
| Net charge-offs | 0.00% | 0.00% |
| Efficiency ratio | 91.17%Leads | 135.16% |
| Loan-to-deposit ratio | 101.49% | 109.34% |
| Asset growth (YoY) | 37.38%Leads | 2.03% |
| Deposit / share growth (YoY) | 45.67%Leads | -6.66% |
| Branches | 1 | 4 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 0.21% |
| 73.5/100 |
| -2.36% |
| 2026-Q2 | 53.0/100 | 0.28% | 60.5/100 | -1.75% |