Side-by-side · Q2 2026 data
Rayne State Bank & Trust Company vs Vermilion Employees Credit Union
Credit union
Vermilion Employees Credit Union
Abbeville, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Rayne State Bank & Trust Company | Vermilion Employees Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 61 |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 85 (stronger) | 6 |
| Earnings | 100 (stronger) | 47 |
| Funding & liquidity | 58 | 84 (stronger) |
| Problem-loan coverage | 95 (stronger) | 78 |
| Peer percentile | 75th | 23rd |
| Total assets | $540.5M | $14.6M |
| Deposits / shares | $480.0M | $12.2M |
| Capital ratio | 11.58% | 15.56% (stronger) |
| Problem loans | 0.44% (stronger) | 2.81% |
| Net charge-offs | 0.01% (stronger) | 1.07% |
| Return on assets | 2.09% (stronger) | 0.67% |
| Loans ÷ deposits | 72.6% (stronger) | 76.0% |
| Uninsured deposits | 41.4% | 0.0% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.7% | — |
Rayne State Bank & Trust Company has the higher TellerScore (79 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Rayne State Bank & Trust Company leads on 5 and Vermilion Employees Credit Union on 2. 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.