Side-by-side · Q2 2026 data
Northern State Bank of Virginia vs Embarrass Vermillion Federal Credit Union
Credit union
Embarrass Vermillion Federal Credit Union
Aurora, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Northern State Bank of Virginia | Embarrass Vermillion Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 80 (stronger) |
| Capital cushion | 52 | 92 (stronger) |
| Loan quality | 100 (stronger) | 68 |
| Earnings | 66 | 81 (stronger) |
| Funding & liquidity | 74 (stronger) | 69 |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 61st | 65th |
| Total assets | $102.0M | $66.7M |
| Deposits / shares | $91.2M | $56.8M |
| Capital ratio | 10.17% | 14.18% (stronger) |
| Problem loans | 0.00% (stronger) | 0.95% |
| Net charge-offs | 0.15% (stronger) | 0.22% |
| Return on assets | 1.15% | 1.51% (stronger) |
| Loans ÷ deposits | 79.2% (stronger) | 91.5% |
| Uninsured deposits | 21.5% | 1.5% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Embarrass Vermillion Federal Credit Union has the higher TellerScore (80 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Northern State Bank of Virginia leads on 3 and Embarrass Vermillion Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.