Side-by-side · Q2 2026 data
The National Bank of Middlebury vs 802 Credit Union
Metric by metric
| Measure | The National Bank of Middlebury | 802 Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 67 |
| Capital cushion | 49 | 75 (stronger) |
| Loan quality | 95 (stronger) | 50 |
| Earnings | 60 | 66 (stronger) |
| Funding & liquidity | 91 (stronger) | 72 |
| Problem-loan coverage | 98 (stronger) | 81 |
| Peer percentile | 57th | 41st |
| Total assets | $553.5M | $507.7M |
| Deposits / shares | $500.2M | $440.1M |
| Capital ratio | 9.86% | 12.54% (stronger) |
| Problem loans | 0.15% (stronger) | 1.50% |
| Net charge-offs | 0.01% (stronger) | 0.35% |
| Return on assets | 1.01% | 1.14% (stronger) |
| Loans ÷ deposits | 69.6% (stronger) | 88.4% |
| Uninsured deposits | 11.1% | 3.4% (stronger) |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.5% | 3.6% |
The National Bank of Middlebury has the higher TellerScore (74 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The National Bank of Middlebury leads on 4 and 802 Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.