Side-by-side · Q2 2026 data
Embarrass Vermillion Federal Credit Union vs North Memorial Federal Credit Union
Credit union
Embarrass Vermillion Federal Credit Union
Aurora, Minnesota · Under $100 million in assets
Credit union
North Memorial Federal Credit Union
Robbinsdale, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Embarrass Vermillion Federal Credit Union | North Memorial Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 75 |
| Capital cushion | 92 (stronger) | 68 |
| Loan quality | 68 | 77 (stronger) |
| Earnings | 81 (stronger) | 62 |
| Funding & liquidity | 69 | 91 (stronger) |
| Problem-loan coverage | 90 | 93 (stronger) |
| Peer percentile | 65th | 52nd |
| Total assets | $66.7M | $50.7M |
| Deposits / shares | $56.8M | $44.4M |
| Capital ratio | 14.18% (stronger) | 11.84% |
| Problem loans | 0.95% | 0.68% (stronger) |
| Net charge-offs | 0.22% | -0.06% (stronger) |
| Return on assets | 1.51% (stronger) | 1.04% |
| Loans ÷ deposits | 91.5% | 69.0% (stronger) |
| Uninsured deposits | 1.5% (stronger) | 4.5% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Embarrass Vermillion Federal Credit Union has the higher TellerScore (80 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Embarrass Vermillion Federal Credit Union leads on 4 and North Memorial Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.