Side-by-side · Q2 2026 data
First Federal Bank of Ohio vs Vacationland Federal Credit Union
Metric by metric
| Measure | First Federal Bank of Ohio | Vacationland Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 72 |
| Capital cushion | 87 (stronger) | 78 |
| Loan quality | 69 (stronger) | 61 |
| Earnings | 34 | 49 (stronger) |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 95 (stronger) | 90 |
| Peer percentile | 61st | 57th |
| Total assets | $282.9M | $326.9M |
| Deposits / shares | $231.2M | $281.7M |
| Capital ratio | 13.68% (stronger) | 12.84% |
| Problem loans | 0.93% (stronger) | 1.16% |
| Net charge-offs | 0.00% (stronger) | 0.40% |
| Return on assets | 0.35% | 0.73% (stronger) |
| Loans ÷ deposits | 52.0% (stronger) | 64.9% |
| Uninsured deposits | 7.1% | 4.9% (stronger) |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.7% |
First Federal Bank of Ohio has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First Federal Bank of Ohio leads on 5 and Vacationland Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.