Side-by-side · Q2 2026 data
R Bank vs Vatat Credit Union
Metric by metric
| Measure | R Bank | Vatat Credit Union |
|---|---|---|
| TellerScore | 50 | 82 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 48 | 75 (stronger) |
| Earnings | 49 | 73 (stronger) |
| Funding & liquidity | 60 | 64 (stronger) |
| Problem-loan coverage | 75 | 95 (stronger) |
| Peer percentile | 7th | 70th |
| Total assets | $1.0B | $11.0M |
| Deposits / shares | $926.1M | $8.7M |
| Capital ratio | 9.01% | 17.90% (stronger) |
| Problem loans | 1.55% | 0.74% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 0.72% | 1.33% (stronger) |
| Loans ÷ deposits | 82.3% | 78.0% (stronger) |
| Uninsured deposits | 30.6% (stronger) | 31.4% |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.0% | — |
Vatat Credit Union has the higher TellerScore (82 vs 50). On the 7 directional measures above (where higher or lower is clearly better), R Bank leads on 1 and Vatat Credit Union on 6. 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.