Side-by-side · Q2 2026 data
Vantage Trust Federal Credit Union vs North Districts Credit Union
Credit union
Vantage Trust Federal Credit Union
Wilkes Barre, Pennsylvania · Under $100 million in assets
Credit union
North Districts Credit Union
Gibsonia, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Vantage Trust Federal Credit Union | North Districts Credit Union |
|---|---|---|
| TellerScore | 50 | 65 (stronger) |
| Capital cushion | 23 | 100 (stronger) |
| Loan quality | 59 (stronger) | 0 |
| Earnings | 22 | 61 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 88 (stronger) | 81 |
| Peer percentile | 9th | 30th |
| Total assets | $47.7M | $45.4M |
| Deposits / shares | $44.4M | $38.3M |
| Capital ratio | 7.28% | 15.42% (stronger) |
| Problem loans | 1.23% (stronger) | 4.70% |
| Net charge-offs | 0.47% (stronger) | 0.67% |
| Return on assets | 0.04% | 1.04% (stronger) |
| Loans ÷ deposits | 33.0% (stronger) | 36.8% |
| Uninsured deposits | 6.5% | 1.5% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
North Districts Credit Union has the higher TellerScore (65 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Vantage Trust Federal Credit Union leads on 3 and North Districts Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.