Side-by-side · Q2 2026 data
The Old Fort Banking Company vs Vacationland Federal Credit Union
Metric by metric
| Measure | The Old Fort Banking Company | Vacationland Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 72 |
| Capital cushion | 39 | 78 (stronger) |
| Loan quality | 93 (stronger) | 61 |
| Earnings | 78 (stronger) | 49 |
| Funding & liquidity | 78 | 95 (stronger) |
| Problem-loan coverage | 97 (stronger) | 90 |
| Peer percentile | 50th | 57th |
| Total assets | $843.9M | $326.9M |
| Deposits / shares | $781.8M | $281.7M |
| Capital ratio | 8.89% | 12.84% (stronger) |
| Problem loans | 0.20% (stronger) | 1.16% |
| Net charge-offs | 0.01% (stronger) | 0.40% |
| Return on assets | 1.44% (stronger) | 0.73% |
| Loans ÷ deposits | 61.3% (stronger) | 64.9% |
| Uninsured deposits | 33.6% | 4.9% (stronger) |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.8% | 26.7% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The Old Fort Banking Company leads on 4 and Vacationland Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.