Side-by-side · Q2 2026 data
Vantage Trust Federal Credit Union vs Earning Tree Federal Credit Union
Credit union
Vantage Trust Federal Credit Union
Wilkes Barre, Pennsylvania · Under $100 million in assets
Credit union
Earning Tree Federal Credit Union
Wilkes Barre, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Vantage Trust Federal Credit Union | Earning Tree Federal Credit Union |
|---|---|---|
| TellerScore | 50 (stronger) | 46 |
| Capital cushion | 23 | 52 (stronger) |
| Loan quality | 59 (stronger) | 0 |
| Earnings | 22 | 31 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 88 | 90 (stronger) |
| Peer percentile | 9th | 6th |
| Total assets | $47.7M | $49.4M |
| Deposits / shares | $44.4M | $44.7M |
| Capital ratio | 7.28% | 10.19% (stronger) |
| Problem loans | 1.23% (stronger) | 3.89% |
| Net charge-offs | 0.47% | 0.37% (stronger) |
| Return on assets | 0.04% | 0.28% (stronger) |
| Loans ÷ deposits | 33.0% | 15.1% (stronger) |
| Uninsured deposits | 6.5% (stronger) | 7.1% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vantage Trust Federal Credit Union has the higher TellerScore (50 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Vantage Trust Federal Credit Union leads on 3 and Earning Tree Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.