Side-by-side · Q2 2026 data
Three Rivers Federal Credit Union vs Vulcraft Employees Federal Credit Union
Credit union
Vulcraft Employees Federal Credit Union
St Joe, Indiana · Under $100 million in assets
Metric by metric
| Measure | Three Rivers Federal Credit Union | Vulcraft Employees Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 71 |
| Capital cushion | 89 (stronger) | 88 |
| Loan quality | 51 | 58 (stronger) |
| Earnings | 97 (stronger) | 54 |
| Funding & liquidity | 72 | 72 |
| Problem-loan coverage | 86 | 87 (stronger) |
| Peer percentile | 84th | 42nd |
| Total assets | $2.9B | $6.4M |
| Deposits / shares | $2.1B | $5.5M |
| Capital ratio | 13.88% (stronger) | 13.78% |
| Problem loans | 1.47% | 1.25% (stronger) |
| Net charge-offs | 0.43% | 0.00% (stronger) |
| Return on assets | 1.92% (stronger) | 0.84% |
| Loans ÷ deposits | 86.4% (stronger) | 88.6% |
| Uninsured deposits | 16.3% | 0.0% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.3% | — |
Three Rivers Federal Credit Union has the higher TellerScore (78 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Three Rivers Federal Credit Union leads on 4 and Vulcraft Employees Federal Credit Union on 3. 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.