Side-by-side · Q2 2026 data
North Country Federal Credit Union vs Vermont Federal Credit Union
Credit union
North Country Federal Credit Union
Burlington, Vermont · $1 billion – $10 billion
Metric by metric
| Measure | North Country Federal Credit Union | Vermont Federal Credit Union |
|---|---|---|
| TellerScore | 59 | 69 (stronger) |
| Capital cushion | 47 | 58 (stronger) |
| Loan quality | 64 | 84 (stronger) |
| Earnings | 53 | 55 (stronger) |
| Funding & liquidity | 69 | 71 (stronger) |
| Problem-loan coverage | 82 | 93 (stronger) |
| Peer percentile | 22nd | 54th |
| Total assets | $1.1B | $1.1B |
| Deposits / shares | $1.0B | $1.0B |
| Capital ratio | 9.72% | 10.81% (stronger) |
| Problem loans | 1.09% | 0.47% (stronger) |
| Net charge-offs | 0.43% | 0.27% (stronger) |
| Return on assets | 0.82% | 0.88% (stronger) |
| Loans ÷ deposits | 91.3% | 89.0% (stronger) |
| Uninsured deposits | 6.3% (stronger) | 7.7% |
| Offices | 10 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.8% |
Vermont Federal Credit Union has the higher TellerScore (69 vs 59). On the 7 directional measures above (where higher or lower is clearly better), North Country Federal Credit Union leads on 1 and Vermont Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.