Side-by-side · Q2 2026 data
First-Citizens Bank & Trust Company vs Vision Financial Federal Credit Union
Credit union
Vision Financial Federal Credit Union
Durham, North Carolina · Under $100 million in assets
Metric by metric
| Measure | First-Citizens Bank & Trust Company | Vision Financial Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 94 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 63 | 100 (stronger) |
| Earnings | 61 | 69 (stronger) |
| Funding & liquidity | 49 | 100 (stronger) |
| Problem-loan coverage | 85 | 100 (stronger) |
| Peer percentile | 21st | 95th |
| Total assets | $236.3B | $59.5M |
| Deposits / shares | $174.0B | $49.1M |
| Capital ratio | 9.75% | 16.82% (stronger) |
| Problem loans | 1.12% | 0.00% (stronger) |
| Net charge-offs | 0.29% | 0.22% (stronger) |
| Return on assets | 1.03% | 1.23% (stronger) |
| Loans ÷ deposits | 86.0% | 41.1% (stronger) |
| Uninsured deposits | 37.4% | 4.7% (stronger) |
| Offices | 510 | 2 |
| CFPB complaints (3 yrs) | 632 | — |
| Complaints per $1B deposits | 3.6 | — |
| Mortgage denial rate (HMDA) | 22.5% | — |
Vision Financial Federal Credit Union has the higher TellerScore (94 vs 58). On the 7 directional measures above (where higher or lower is clearly better), First-Citizens Bank & Trust Company leads on 0 and Vision Financial Federal 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.