Side-by-side · Q2 2026 data
Trailnorth Federal Credit Union vs Vermont Federal Credit Union
Credit union
Trailnorth Federal Credit Union
Ticonderoga, New York · $100 million – $1 billion
Metric by metric
| Measure | Trailnorth Federal Credit Union | Vermont Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 69 (stronger) |
| Capital cushion | 48 | 58 (stronger) |
| Loan quality | 72 | 84 (stronger) |
| Earnings | 49 | 55 (stronger) |
| Funding & liquidity | 100 (stronger) | 71 |
| Problem-loan coverage | 91 | 93 (stronger) |
| Peer percentile | 37th | 54th |
| Total assets | $179.6M | $1.1B |
| Deposits / shares | $164.8M | $1.0B |
| Capital ratio | 9.78% | 10.81% (stronger) |
| Problem loans | 0.84% | 0.47% (stronger) |
| Net charge-offs | 1.01% | 0.27% (stronger) |
| Return on assets | 0.73% | 0.88% (stronger) |
| Loans ÷ deposits | 55.5% (stronger) | 89.0% |
| Uninsured deposits | 1.6% (stronger) | 7.7% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.8% |
Vermont Federal Credit Union has the higher TellerScore (69 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Trailnorth Federal Credit Union leads on 2 and Vermont Federal 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.