Side-by-side · Q2 2026 data
Bank of The Rockies vs Vocal Credit Union
Metric by metric
| Measure | Bank of The Rockies | Vocal Credit Union |
|---|---|---|
| TellerScore | 68 | 82 (stronger) |
| Capital cushion | 44 | 82 (stronger) |
| Loan quality | 65 | 87 (stronger) |
| Earnings | 100 (stronger) | 66 |
| Funding & liquidity | 68 | 88 (stronger) |
| Problem-loan coverage | 82 | 96 (stronger) |
| Peer percentile | 37th | 70th |
| Total assets | $277.4M | $52.6M |
| Deposits / shares | $229.5M | $45.2M |
| Capital ratio | 9.37% | 13.19% (stronger) |
| Problem loans | 1.06% | 0.40% (stronger) |
| Net charge-offs | 0.17% (stronger) | 0.19% |
| Return on assets | 2.01% (stronger) | 1.16% |
| Loans ÷ deposits | 91.9% | 72.3% (stronger) |
| Uninsured deposits | 14.9% | 1.4% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vocal Credit Union has the higher TellerScore (82 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Bank of The Rockies leads on 2 and Vocal Credit Union on 5. 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.