Side-by-side · Q2 2026 data
Vacationland Federal Credit Union vs Erie Community Federal Credit Union
Credit union
Erie Community Federal Credit Union
Sandusky, Ohio · Under $100 million in assets
Metric by metric
| Measure | Vacationland Federal Credit Union | Erie Community Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 53 |
| Capital cushion | 78 (stronger) | 34 |
| Loan quality | 61 (stronger) | 33 |
| Earnings | 49 | 67 (stronger) |
| Funding & liquidity | 95 (stronger) | 94 |
| Problem-loan coverage | 90 (stronger) | 71 |
| Peer percentile | 57th | 12th |
| Total assets | $326.9M | $39.9M |
| Deposits / shares | $281.7M | $36.4M |
| Capital ratio | 12.84% (stronger) | 8.36% |
| Problem loans | 1.16% (stronger) | 2.02% |
| Net charge-offs | 0.40% | 0.34% (stronger) |
| Return on assets | 0.73% | 1.18% (stronger) |
| Loans ÷ deposits | 64.9% (stronger) | 66.3% |
| Uninsured deposits | 4.9% (stronger) | 7.4% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.7% | — |
Vacationland Federal Credit Union has the higher TellerScore (72 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Vacationland Federal Credit Union leads on 5 and Erie Community Federal Credit Union on 2. 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.