Side-by-side · Q2 2026 data
Daniels-Sheridan Federal Credit Union vs Vocal Credit Union
Credit union
Daniels-Sheridan Federal Credit Union
Scobey, Montana · Under $100 million in assets
Metric by metric
| Measure | Daniels-Sheridan Federal Credit Union | Vocal Credit Union |
|---|---|---|
| TellerScore | 60 | 82 (stronger) |
| Capital cushion | 69 | 82 (stronger) |
| Loan quality | 50 | 87 (stronger) |
| Earnings | 25 | 66 (stronger) |
| Funding & liquidity | 91 (stronger) | 88 |
| Problem-loan coverage | 85 | 96 (stronger) |
| Peer percentile | 22nd | 70th |
| Total assets | $92.2M | $52.6M |
| Deposits / shares | $80.0M | $45.2M |
| Capital ratio | 11.92% | 13.19% (stronger) |
| Problem loans | 1.51% | 0.40% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.19% |
| Return on assets | 0.13% | 1.16% (stronger) |
| Loans ÷ deposits | 66.4% (stronger) | 72.3% |
| Uninsured deposits | 17.4% | 1.4% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vocal Credit Union has the higher TellerScore (82 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Daniels-Sheridan Federal Credit Union leads on 2 and Vocal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.