Side-by-side · Q2 2026 data
The National Bank of Middlebury vs Vermont Federal Credit Union
Metric by metric
| Measure | The National Bank of Middlebury | Vermont Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 69 |
| Capital cushion | 49 | 58 (stronger) |
| Loan quality | 95 (stronger) | 84 |
| Earnings | 60 (stronger) | 55 |
| Funding & liquidity | 91 (stronger) | 71 |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 57th | 54th |
| Total assets | $553.5M | $1.1B |
| Deposits / shares | $500.2M | $1.0B |
| Capital ratio | 9.86% | 10.81% (stronger) |
| Problem loans | 0.15% (stronger) | 0.47% |
| Net charge-offs | 0.01% (stronger) | 0.27% |
| Return on assets | 1.01% (stronger) | 0.88% |
| Loans ÷ deposits | 69.6% (stronger) | 89.0% |
| Uninsured deposits | 11.1% | 7.7% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.5% | 12.8% |
The National Bank of Middlebury has the higher TellerScore (74 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The National Bank of Middlebury leads on 5 and Vermont Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Middlebury, VT
- Vergennes, VT