Side-by-side · Q2 2026 data
Community 1st Federal Credit Union vs Vocal Credit Union
Credit union
Community 1st Federal Credit Union
Miles City, Montana · Under $100 million in assets
Metric by metric
| Measure | Community 1st Federal Credit Union | Vocal Credit Union |
|---|---|---|
| TellerScore | 58 | 82 (stronger) |
| Capital cushion | 61 | 82 (stronger) |
| Loan quality | 47 | 87 (stronger) |
| Earnings | 51 | 66 (stronger) |
| Funding & liquidity | 69 | 88 (stronger) |
| Problem-loan coverage | 77 | 96 (stronger) |
| Peer percentile | 19th | 70th |
| Total assets | $43.2M | $52.6M |
| Deposits / shares | $37.6M | $45.2M |
| Capital ratio | 11.14% | 13.19% (stronger) |
| Problem loans | 1.60% | 0.40% (stronger) |
| Net charge-offs | 0.37% | 0.19% (stronger) |
| Return on assets | 0.79% | 1.16% (stronger) |
| Loans ÷ deposits | 91.4% | 72.3% (stronger) |
| Uninsured deposits | 1.3% (stronger) | 1.4% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vocal Credit Union has the higher TellerScore (82 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Community 1st 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.