Side-by-side · Q2 2026 data
Ascent Bank vs Vocal Credit Union
Metric by metric
| Measure | Ascent Bank | Vocal Credit Union |
|---|---|---|
| TellerScore | 46 | 82 (stronger) |
| Capital cushion | 37 | 82 (stronger) |
| Loan quality | 16 | 87 (stronger) |
| Earnings | 70 (stronger) | 66 |
| Funding & liquidity | 72 | 88 (stronger) |
| Problem-loan coverage | 61 | 96 (stronger) |
| Peer percentile | 5th | 70th |
| Total assets | $104.1M | $52.6M |
| Deposits / shares | $92.4M | $45.2M |
| Capital ratio | 8.69% | 13.19% (stronger) |
| Problem loans | 2.51% | 0.40% (stronger) |
| Net charge-offs | 0.47% | 0.19% (stronger) |
| Return on assets | 1.24% (stronger) | 1.16% |
| Loans ÷ deposits | 88.1% | 72.3% (stronger) |
| Uninsured deposits | 14.1% | 1.4% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Vocal Credit Union has the higher TellerScore (82 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Ascent Bank leads on 1 and Vocal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.