Side-by-side · Q2 2026 data
Roxboro Savings Bank, SSB vs Vision Financial Federal Credit Union
Credit union
Vision Financial Federal Credit Union
Durham, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Roxboro Savings Bank, SSB | Vision Financial Federal Credit Union |
|---|---|---|
| TellerScore | 90 | 94 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 96 | 100 (stronger) |
| Earnings | 67 | 69 (stronger) |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 95th | 95th |
| Total assets | $360.7M | $59.5M |
| Deposits / shares | $292.8M | $49.1M |
| Capital ratio | 18.97% (stronger) | 16.82% |
| Problem loans | 0.13% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.22% |
| Return on assets | 1.18% | 1.23% (stronger) |
| Loans ÷ deposits | 71.9% | 41.1% (stronger) |
| Uninsured deposits | 20.3% | 4.7% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.9% | — |
Vision Financial Federal Credit Union has the higher TellerScore (94 vs 90). On the 7 directional measures above (where higher or lower is clearly better), Roxboro Savings Bank, SSB leads on 2 and Vision Financial Federal Credit Union on 5. 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.