Side-by-side · Q2 2026 data
The Vinton County National Bank vs Chivaho Federal Credit Union
Metric by metric
| Measure | The Vinton County National Bank | Chivaho Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 84 (stronger) |
| Capital cushion | 55 | 89 (stronger) |
| Loan quality | 91 | 91 |
| Earnings | 72 (stronger) | 50 |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 70th | 75th |
| Total assets | $1.6B | $37.7M |
| Deposits / shares | $1.4B | $32.4M |
| Capital ratio | 10.49% | 13.88% (stronger) |
| Problem loans | 0.27% | 0.27% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.87% |
| Return on assets | 1.29% (stronger) | 0.74% |
| Loans ÷ deposits | 80.4% | 47.2% (stronger) |
| Uninsured deposits | 30.9% | 3.6% (stronger) |
| Offices | 16 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.8% | — |
Chivaho Federal Credit Union has the higher TellerScore (84 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The Vinton County National Bank leads on 2 and Chivaho Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.