Side-by-side · Q2 2026 data
Champlain National Bank vs Vermont Federal Credit Union
Metric by metric
| Measure | Champlain National Bank | Vermont Federal Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 69 |
| Capital cushion | 59 (stronger) | 58 |
| Loan quality | 92 (stronger) | 84 |
| Earnings | 56 (stronger) | 55 |
| Funding & liquidity | 63 | 71 (stronger) |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 47th | 54th |
| Total assets | $497.1M | $1.1B |
| Deposits / shares | $443.9M | $1.0B |
| Capital ratio | 10.87% (stronger) | 10.81% |
| Problem loans | 0.25% (stronger) | 0.47% |
| Net charge-offs | 0.01% (stronger) | 0.27% |
| Return on assets | 0.90% (stronger) | 0.88% |
| Loans ÷ deposits | 72.7% (stronger) | 89.0% |
| Uninsured deposits | 37.5% | 7.7% (stronger) |
| Offices | 10 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.8% |
Champlain National Bank has the higher TellerScore (71 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Champlain National Bank leads on 6 and Vermont Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.