Side-by-side · Q2 2026 data
Ravalli County Federal Credit Union vs Vocal Credit Union
Credit union
Ravalli County Federal Credit Union
Hamilton, Montana · Under $100 million in assets
Metric by metric
| Measure | Ravalli County Federal Credit Union | Vocal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 82 |
| Capital cushion | 89 (stronger) | 82 |
| Loan quality | 99 (stronger) | 87 |
| Earnings | 92 (stronger) | 66 |
| Funding & liquidity | 85 | 88 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 92nd | 70th |
| Total assets | $89.4M | $52.6M |
| Deposits / shares | $75.7M | $45.2M |
| Capital ratio | 13.87% (stronger) | 13.19% |
| Problem loans | 0.02% (stronger) | 0.40% |
| Net charge-offs | 0.31% | 0.19% (stronger) |
| Return on assets | 1.80% (stronger) | 1.16% |
| Loans ÷ deposits | 75.6% | 72.3% (stronger) |
| Uninsured deposits | 3.3% | 1.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ravalli County Federal Credit Union has the higher TellerScore (92 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Ravalli County Federal Credit Union leads on 4 and Vocal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.