Side-by-side · Q2 2026 data
Midwest America Federal Credit Union vs Vulcraft Employees Federal Credit Union
Credit union
Midwest America Federal Credit Union
Fort Wayne, Indiana · $1 billion – $10 billion
Credit union
Vulcraft Employees Federal Credit Union
St Joe, Indiana · Under $100 million in assets
Metric by metric
| Measure | Midwest America Federal Credit Union | Vulcraft Employees Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 71 |
| Capital cushion | 98 (stronger) | 88 |
| Loan quality | 70 (stronger) | 58 |
| Earnings | 66 (stronger) | 54 |
| Funding & liquidity | 68 | 72 (stronger) |
| Problem-loan coverage | 90 (stronger) | 87 |
| Peer percentile | 86th | 42nd |
| Total assets | $1.0B | $6.4M |
| Deposits / shares | $846.4M | $5.5M |
| Capital ratio | 14.80% (stronger) | 13.78% |
| Problem loans | 0.90% (stronger) | 1.25% |
| Net charge-offs | 0.47% | 0.00% (stronger) |
| Return on assets | 1.14% (stronger) | 0.84% |
| Loans ÷ deposits | 92.2% | 88.6% (stronger) |
| Uninsured deposits | 7.0% | 0.0% (stronger) |
| Offices | 17 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.2% | — |
Midwest America Federal Credit Union has the higher TellerScore (79 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Midwest America Federal Credit Union leads on 4 and Vulcraft 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.