Side-by-side · Q2 2026 data
The Vinton County National Bank vs Kyger Creek Credit Union
Metric by metric
| Measure | The Vinton County National Bank | Kyger Creek Credit Union |
|---|---|---|
| TellerScore | 73 | 84 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 91 (stronger) | 80 |
| Earnings | 72 (stronger) | 48 |
| Funding & liquidity | 62 | 97 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 70th | 75th |
| Total assets | $1.6B | $20.9M |
| Deposits / shares | $1.4B | $16.9M |
| Capital ratio | 10.49% | 18.92% (stronger) |
| Problem loans | 0.27% (stronger) | 0.60% |
| Net charge-offs | 0.09% | 0.07% (stronger) |
| Return on assets | 1.29% (stronger) | 0.70% |
| Loans ÷ deposits | 80.4% | 62.8% (stronger) |
| Uninsured deposits | 30.9% | 0.0% (stronger) |
| Offices | 16 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.8% | — |
Kyger Creek 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 Kyger Creek 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.