Side-by-side · Q2 2026 data
Badlands Federal Credit Union vs Vocal Credit Union
Credit union
Badlands Federal Credit Union
Glendive, Montana · Under $100 million in assets
Metric by metric
| Measure | Badlands Federal Credit Union | Vocal Credit Union |
|---|---|---|
| TellerScore | 54 | 82 (stronger) |
| Capital cushion | 31 | 82 (stronger) |
| Loan quality | 52 | 87 (stronger) |
| Earnings | 40 | 66 (stronger) |
| Funding & liquidity | 100 (stronger) | 88 |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 13th | 70th |
| Total assets | $37.6M | $52.6M |
| Deposits / shares | $34.6M | $45.2M |
| Capital ratio | 8.06% | 13.19% (stronger) |
| Problem loans | 1.45% | 0.40% (stronger) |
| Net charge-offs | 0.21% | 0.19% (stronger) |
| Return on assets | 0.49% | 1.16% (stronger) |
| Loans ÷ deposits | 32.4% (stronger) | 72.3% |
| Uninsured deposits | 8.3% | 1.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vocal Credit Union has the higher TellerScore (82 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Badlands Federal Credit Union leads on 1 and Vocal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.