Side-by-side · Q2 2026 data
Farmers State Bank vs Vulcraft Employees Federal Credit Union
Credit union
Vulcraft Employees Federal Credit Union
St Joe, Indiana · Under $100 million in assets
Metric by metric
| Measure | Farmers State Bank | Vulcraft Employees Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 71 |
| Capital cushion | 58 | 88 (stronger) |
| Loan quality | 99 (stronger) | 58 |
| Earnings | 94 (stronger) | 54 |
| Funding & liquidity | 50 | 72 (stronger) |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 86th | 42nd |
| Total assets | $1.3B | $6.4M |
| Deposits / shares | $1.2B | $5.5M |
| Capital ratio | 10.75% | 13.78% (stronger) |
| Problem loans | 0.02% (stronger) | 1.25% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.85% (stronger) | 0.84% |
| Loans ÷ deposits | 77.7% (stronger) | 88.6% |
| Uninsured deposits | 44.9% | 0.0% (stronger) |
| Offices | 12 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.4% | — |
Farmers State Bank has the higher TellerScore (78 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 4 and Vulcraft Employees 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.