Side-by-side · Q2 2026 data
Providence Bank vs Mount Vernon Baptist Church Credit Union
Credit union
Mount Vernon Baptist Church Credit Union
Durham, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Providence Bank | Mount Vernon Baptist Church Credit Union |
|---|---|---|
| TellerScore | 82 | 100 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 96 | 100 (stronger) |
| Earnings | 92 | 100 (stronger) |
| Funding & liquidity | 56 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 93rd | 100th |
| Total assets | $1.5B | $153K |
| Deposits / shares | $1.3B | $95K |
| Capital ratio | 12.21% | 37.73% (stronger) |
| Problem loans | 0.12% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.80% | 2.15% (stronger) |
| Loans ÷ deposits | 96.6% | 7.1% (stronger) |
| Uninsured deposits | 21.5% | 0.0% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | — |
Mount Vernon Baptist Church Credit Union has the higher TellerScore (100 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Providence Bank leads on 0 and Mount Vernon Baptist Church Credit Union on 7. 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.