Side-by-side · Q2 2026 data
Horizon Bank, SSB vs Vatat Credit Union
Metric by metric
| Measure | Horizon Bank, SSB | Vatat Credit Union |
|---|---|---|
| TellerScore | 72 | 82 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 100 (stronger) | 75 |
| Earnings | 90 (stronger) | 73 |
| Funding & liquidity | 48 | 64 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 66th | 70th |
| Total assets | $2.6B | $11.0M |
| Deposits / shares | $2.2B | $8.7M |
| Capital ratio | 8.95% | 17.90% (stronger) |
| Problem loans | 0.00% (stronger) | 0.74% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.74% (stronger) | 1.33% |
| Loans ÷ deposits | 72.7% (stronger) | 78.0% |
| Uninsured deposits | 50.6% | 31.4% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vatat Credit Union has the higher TellerScore (82 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Horizon Bank, SSB leads on 3 and Vatat Credit Union on 4. 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.