Side-by-side · Q2 2026 data
South Bend Transit Federal Credit Union vs Vulcraft Employees Federal Credit Union
Credit union
South Bend Transit Federal Credit Union
South Bend, Indiana · Under $100 million in assets
Credit union
Vulcraft Employees Federal Credit Union
St Joe, Indiana · Under $100 million in assets
Metric by metric
| Measure | South Bend Transit Federal Credit Union | Vulcraft Employees Federal Credit Union |
|---|---|---|
| TellerScore | 48 | 71 (stronger) |
| Capital cushion | 100 (stronger) | 88 |
| Loan quality | 0 | 58 (stronger) |
| Earnings | 0 | 54 (stronger) |
| Funding & liquidity | 74 (stronger) | 72 |
| Problem-loan coverage | 72 | 87 (stronger) |
| Peer percentile | 7th | 42nd |
| Total assets | $2.9M | $6.4M |
| Deposits / shares | $2.0M | $5.5M |
| Capital ratio | 29.00% (stronger) | 13.78% |
| Problem loans | 6.84% | 1.25% (stronger) |
| Net charge-offs | 1.48% | 0.00% (stronger) |
| Return on assets | -2.29% | 0.84% (stronger) |
| Loans ÷ deposits | 86.1% (stronger) | 88.6% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vulcraft Employees Federal Credit Union has the higher TellerScore (71 vs 48). On the 6 directional measures above (where higher or lower is clearly better), South Bend Transit Federal Credit Union leads on 2 and Vulcraft Employees Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.