Side-by-side · Q2 2026 data
Clearwater Federal Credit Union vs Vocal Credit Union
Metric by metric
| Measure | Clearwater Federal Credit Union | Vocal Credit Union |
|---|---|---|
| TellerScore | 76 | 82 (stronger) |
| Capital cushion | 78 | 82 (stronger) |
| Loan quality | 78 | 87 (stronger) |
| Earnings | 65 | 66 (stronger) |
| Funding & liquidity | 71 | 88 (stronger) |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 79th | 70th |
| Total assets | $1.2B | $52.6M |
| Deposits / shares | $945.2M | $45.2M |
| Capital ratio | 12.83% | 13.19% (stronger) |
| Problem loans | 0.67% | 0.40% (stronger) |
| Net charge-offs | 0.34% | 0.19% (stronger) |
| Return on assets | 1.12% | 1.16% (stronger) |
| Loans ÷ deposits | 89.2% | 72.3% (stronger) |
| Uninsured deposits | 5.9% | 1.4% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.9% | — |
Vocal Credit Union has the higher TellerScore (82 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Clearwater Federal Credit Union leads on 0 and Vocal Credit Union on 7. 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.