Side-by-side · Q2 2026 data
Vermillion State Bank vs Affinity Plus Federal Credit Union
Credit union
Affinity Plus Federal Credit Union
Saint Paul, Minnesota · $1 billion – $10 billion
Metric by metric
| Measure | Vermillion State Bank | Affinity Plus Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 65 |
| Capital cushion | 84 (stronger) | 38 |
| Loan quality | 92 (stronger) | 81 |
| Earnings | 100 (stronger) | 67 |
| Funding & liquidity | 83 (stronger) | 71 |
| Problem-loan coverage | 97 (stronger) | 90 |
| Peer percentile | 95th | 41st |
| Total assets | $931.4M | $5.0B |
| Deposits / shares | $806.6M | $4.3B |
| Capital ratio | 13.40% (stronger) | 8.78% |
| Problem loans | 0.24% (stronger) | 0.57% |
| Net charge-offs | -0.12% (stronger) | 0.68% |
| Return on assets | 2.56% (stronger) | 1.18% |
| Loans ÷ deposits | 51.7% (stronger) | 88.8% |
| Uninsured deposits | 30.2% | 6.5% (stronger) |
| Offices | 6 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Vermillion State Bank has the higher TellerScore (90 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Vermillion State Bank leads on 6 and Affinity Plus Federal Credit Union on 1. 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.