Side-by-side · Q2 2026 data
Fremont Federal Credit Union vs Vacationland Federal Credit Union
Metric by metric
| Measure | Fremont Federal Credit Union | Vacationland Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 72 |
| Capital cushion | 77 | 78 (stronger) |
| Loan quality | 71 (stronger) | 61 |
| Earnings | 59 (stronger) | 49 |
| Funding & liquidity | 81 | 95 (stronger) |
| Problem-loan coverage | 91 (stronger) | 90 |
| Peer percentile | 63rd | 57th |
| Total assets | $391.4M | $326.9M |
| Deposits / shares | $334.8M | $281.7M |
| Capital ratio | 12.67% | 12.84% (stronger) |
| Problem loans | 0.86% (stronger) | 1.16% |
| Net charge-offs | 0.38% (stronger) | 0.40% |
| Return on assets | 0.98% (stronger) | 0.73% |
| Loans ÷ deposits | 79.0% | 64.9% (stronger) |
| Uninsured deposits | 7.4% | 4.9% (stronger) |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.1% | 26.7% |
Fremont Federal Credit Union has the higher TellerScore (74 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Fremont Federal Credit Union leads on 4 and Vacationland Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.