Side-by-side · Q2 2026 data
Vergas State Bank vs Magnifi Financial Credit Union
Metric by metric
| Measure | Vergas State Bank | Magnifi Financial Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 60 |
| Loan quality | 95 (stronger) | 93 |
| Earnings | 75 (stronger) | 44 |
| Funding & liquidity | 93 (stronger) | 61 |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 94th | 50th |
| Total assets | $60.7M | $2.8B |
| Deposits / shares | $51.5M | $2.3B |
| Capital ratio | 15.27% (stronger) | 11.04% |
| Problem loans | 0.16% (stronger) | 0.21% |
| Net charge-offs | 0.00% (stronger) | 0.20% |
| Return on assets | 1.37% (stronger) | 0.61% |
| Loans ÷ deposits | 67.3% (stronger) | 99.6% |
| Uninsured deposits | 13.3% (stronger) | 13.9% |
| Offices | 1 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.6% |
Vergas State Bank has the higher TellerScore (93 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Vergas State Bank leads on 7 and Magnifi Financial Credit Union on 0. 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.