Side-by-side · Q2 2026 data
Merchants Commercial Bank vs Vitelco Employees Federal Credit Union
Credit union
Vitelco Employees Federal Credit Union
Charlotte Amali, U.S. Virgin Islands · Under $100 million in assets
Metric by metric
| Measure | Merchants Commercial Bank | Vitelco Employees Federal Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 19 |
| Capital cushion | 58 (stronger) | 1 |
| Loan quality | 41 (stronger) | 0 |
| Earnings | 96 (stronger) | 0 |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 76 (stronger) | 41 |
| Peer percentile | 34th | 0th |
| Total assets | $506.0M | $1.6M |
| Deposits / shares | $393.7M | $1.5M |
| Capital ratio | 10.79% (stronger) | 5.14% |
| Problem loans | 1.76% (stronger) | 7.42% |
| Net charge-offs | -0.00% | -2.51% (stronger) |
| Return on assets | 1.91% (stronger) | -5.97% |
| Loans ÷ deposits | 59.6% | 29.6% (stronger) |
| Uninsured deposits | 29.8% | 0.0% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Merchants Commercial Bank has the higher TellerScore (67 vs 19). On the 7 directional measures above (where higher or lower is clearly better), Merchants Commercial Bank leads on 4 and Vitelco Employees Federal Credit Union on 3. 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.