Side-by-side · Q2 2026 data
The Vinton County National Bank vs Homeland Credit Union
Metric by metric
| Measure | The Vinton County National Bank | Homeland Credit Union |
|---|---|---|
| TellerScore | 73 | 82 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 91 (stronger) | 63 |
| Earnings | 72 (stronger) | 57 |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 70th | 82nd |
| Total assets | $1.6B | $624.2M |
| Deposits / shares | $1.4B | $547.3M |
| Capital ratio | 10.49% | 15.79% (stronger) |
| Problem loans | 0.27% (stronger) | 1.10% |
| Net charge-offs | 0.09% (stronger) | 0.89% |
| Return on assets | 1.29% (stronger) | 0.93% |
| Loans ÷ deposits | 80.4% | 30.5% (stronger) |
| Uninsured deposits | 30.9% | 7.6% (stronger) |
| Offices | 16 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.8% | 33.3% |
Homeland Credit Union has the higher TellerScore (82 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The Vinton County National Bank leads on 3 and Homeland Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.