Side-by-side · Q2 2026 data
The Farmers State Bank vs Vacationland Federal Credit Union
Metric by metric
| Measure | The Farmers State Bank | Vacationland Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 72 |
| Capital cushion | 59 | 78 (stronger) |
| Loan quality | 91 (stronger) | 61 |
| Earnings | 73 (stronger) | 49 |
| Funding & liquidity | 68 | 95 (stronger) |
| Problem-loan coverage | 97 (stronger) | 90 |
| Peer percentile | 61st | 57th |
| Total assets | $329.6M | $326.9M |
| Deposits / shares | $289.6M | $281.7M |
| Capital ratio | 10.86% | 12.84% (stronger) |
| Problem loans | 0.28% (stronger) | 1.16% |
| Net charge-offs | 0.06% (stronger) | 0.40% |
| Return on assets | 1.34% (stronger) | 0.73% |
| Loans ÷ deposits | 80.1% | 64.9% (stronger) |
| Uninsured deposits | 25.9% | 4.9% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | 26.7% |
The Farmers State Bank has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Farmers State Bank leads on 4 and Vacationland Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.