Side-by-side · Q2 2026 data
Montana Educators' Credit Union vs Vocal Credit Union
Metric by metric
| Measure | Montana Educators' Credit Union | Vocal Credit Union |
|---|---|---|
| TellerScore | 76 | 82 (stronger) |
| Capital cushion | 50 | 82 (stronger) |
| Loan quality | 87 | 87 |
| Earnings | 81 (stronger) | 66 |
| Funding & liquidity | 90 (stronger) | 88 |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 54th | 70th |
| Total assets | $35.3M | $52.6M |
| Deposits / shares | $31.7M | $45.2M |
| Capital ratio | 10.01% | 13.19% (stronger) |
| Problem loans | 0.38% (stronger) | 0.40% |
| Net charge-offs | 0.11% (stronger) | 0.19% |
| Return on assets | 1.51% (stronger) | 1.16% |
| Loans ÷ deposits | 70.5% (stronger) | 72.3% |
| Uninsured deposits | 3.0% | 1.4% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vocal Credit Union has the higher TellerScore (82 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Montana Educators' Credit Union leads on 4 and Vocal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.