Side-by-side · Q2 2026 data
Civista Bank vs Vacationland Federal Credit Union
Metric by metric
| Measure | Civista Bank | Vacationland Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 72 |
| Capital cushion | 77 | 78 (stronger) |
| Loan quality | 69 (stronger) | 61 |
| Earnings | 78 (stronger) | 49 |
| Funding & liquidity | 64 | 95 (stronger) |
| Problem-loan coverage | 91 (stronger) | 90 |
| Peer percentile | 77th | 57th |
| Total assets | $4.3B | $326.9M |
| Deposits / shares | $3.5B | $281.7M |
| Capital ratio | 12.71% | 12.84% (stronger) |
| Problem loans | 0.92% (stronger) | 1.16% |
| Net charge-offs | 0.05% (stronger) | 0.40% |
| Return on assets | 1.45% (stronger) | 0.73% |
| Loans ÷ deposits | 92.4% | 64.9% (stronger) |
| Uninsured deposits | 18.3% | 4.9% (stronger) |
| Offices | 42 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 26.7% |
Civista Bank has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Civista Bank leads on 4 and Vacationland Federal Credit Union on 3. 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.