Side-by-side · Q2 2026 data
Austin Capital Bank SSB vs Vatat Credit Union
Metric by metric
| Measure | Austin Capital Bank SSB | Vatat Credit Union |
|---|---|---|
| TellerScore | 67 | 82 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 90 (stronger) | 75 |
| Earnings | 58 | 73 (stronger) |
| Funding & liquidity | 50 | 64 (stronger) |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 34th | 70th |
| Total assets | $395.4M | $11.0M |
| Deposits / shares | $308.4M | $8.7M |
| Capital ratio | 10.22% | 17.90% (stronger) |
| Problem loans | 0.30% (stronger) | 0.74% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 0.95% | 1.33% (stronger) |
| Loans ÷ deposits | 110.1% | 78.0% (stronger) |
| Uninsured deposits | 13.0% (stronger) | 31.4% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vatat Credit Union has the higher TellerScore (82 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Austin Capital Bank SSB leads on 3 and Vatat Credit Union on 4. 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.