Side-by-side · Q2 2026 data
Intrepid Credit Union vs Vocal Credit Union
Metric by metric
| Measure | Intrepid Credit Union | Vocal Credit Union |
|---|---|---|
| TellerScore | 71 | 82 (stronger) |
| Capital cushion | 61 | 82 (stronger) |
| Loan quality | 85 | 87 (stronger) |
| Earnings | 47 | 66 (stronger) |
| Funding & liquidity | 81 | 88 (stronger) |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 54th | 70th |
| Total assets | $310.8M | $52.6M |
| Deposits / shares | $268.6M | $45.2M |
| Capital ratio | 11.06% | 13.19% (stronger) |
| Problem loans | 0.44% | 0.40% (stronger) |
| Net charge-offs | 0.27% | 0.19% (stronger) |
| Return on assets | 0.68% | 1.16% (stronger) |
| Loans ÷ deposits | 79.2% | 72.3% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 1.4% |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.7% | — |
Vocal Credit Union has the higher TellerScore (82 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Intrepid Credit Union leads on 1 and Vocal Credit Union on 6. 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.