Side-by-side · Q2 2026 data
The Vinton County National Bank vs Desco Federal Credit Union
Metric by metric
| Measure | The Vinton County National Bank | Desco Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 76 (stronger) |
| Capital cushion | 55 | 68 (stronger) |
| Loan quality | 91 (stronger) | 83 |
| Earnings | 72 (stronger) | 59 |
| Funding & liquidity | 62 | 93 (stronger) |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 70th | 68th |
| Total assets | $1.6B | $550.7M |
| Deposits / shares | $1.4B | $481.4M |
| Capital ratio | 10.49% | 11.77% (stronger) |
| Problem loans | 0.27% (stronger) | 0.51% |
| Net charge-offs | 0.09% (stronger) | 0.12% |
| Return on assets | 1.29% (stronger) | 0.98% |
| Loans ÷ deposits | 80.4% | 66.8% (stronger) |
| Uninsured deposits | 30.9% | 12.7% (stronger) |
| Offices | 16 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.8% | — |
Desco Federal Credit Union has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The Vinton County National Bank leads on 3 and Desco Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.