Side-by-side · Q2 2026 data
Northfield Savings Bank vs Vermont Federal Credit Union
Metric by metric
| Measure | Northfield Savings Bank | Vermont Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 69 (stronger) |
| Capital cushion | 60 (stronger) | 58 |
| Loan quality | 83 | 84 (stronger) |
| Earnings | 48 | 55 (stronger) |
| Funding & liquidity | 71 | 71 |
| Problem-loan coverage | 93 | 93 |
| Peer percentile | 49th | 54th |
| Total assets | $1.6B | $1.1B |
| Deposits / shares | $1.3B | $1.0B |
| Capital ratio | 10.96% (stronger) | 10.81% |
| Problem loans | 0.52% | 0.47% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.27% |
| Return on assets | 0.71% | 0.88% (stronger) |
| Loans ÷ deposits | 86.0% (stronger) | 89.0% |
| Uninsured deposits | 18.0% | 7.7% (stronger) |
| Offices | 13 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 12.8% |
Vermont Federal Credit Union has the higher TellerScore (69 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Northfield Savings Bank leads on 3 and Vermont Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.