Side-by-side · Q2 2026 data
T H P Federal Credit Union vs Vulcraft Employees Federal Credit Union
Credit union
Vulcraft Employees Federal Credit Union
St Joe, Indiana · Under $100 million in assets
Metric by metric
| Measure | T H P Federal Credit Union | Vulcraft Employees Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 88 |
| Loan quality | 96 (stronger) | 58 |
| Earnings | 0 | 54 (stronger) |
| Funding & liquidity | 69 | 72 (stronger) |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 49th | 42nd |
| Total assets | $4.0M | $6.4M |
| Deposits / shares | $3.1M | $5.5M |
| Capital ratio | 24.03% (stronger) | 13.78% |
| Problem loans | 0.12% (stronger) | 1.25% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | -0.63% | 0.84% (stronger) |
| Loans ÷ deposits | 90.9% | 88.6% (stronger) |
| Uninsured deposits | 1.4% | 0.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
T H P Federal Credit Union has the higher TellerScore (74 vs 71). On the 6 directional measures above (where higher or lower is clearly better), T H P Federal Credit Union leads on 3 and Vulcraft Employees Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.