Side-by-side · Q2 2026 data
The Vinton County National Bank vs Oucu Financial Credit Union, Inc.
Metric by metric
| Measure | The Vinton County National Bank | Oucu Financial Credit Union, Inc. |
|---|---|---|
| TellerScore | 73 (stronger) | 55 |
| Capital cushion | 55 | 65 (stronger) |
| Loan quality | 91 (stronger) | 61 |
| Earnings | 72 (stronger) | 7 |
| Funding & liquidity | 62 | 69 (stronger) |
| Problem-loan coverage | 97 (stronger) | 84 |
| Peer percentile | 70th | 12th |
| Total assets | $1.6B | $526.8M |
| Deposits / shares | $1.4B | $456.7M |
| Capital ratio | 10.49% | 11.49% (stronger) |
| Problem loans | 0.27% (stronger) | 1.17% |
| Net charge-offs | 0.09% (stronger) | 0.45% |
| Return on assets | 1.29% (stronger) | -0.32% |
| Loans ÷ deposits | 80.4% (stronger) | 91.1% |
| Uninsured deposits | 30.9% | 6.9% (stronger) |
| Offices | 16 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.8% | — |
The Vinton County National Bank has the higher TellerScore (73 vs 55). On the 7 directional measures above (where higher or lower is clearly better), The Vinton County National Bank leads on 5 and Oucu Financial Credit Union, Inc. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.