Side-by-side · Q2 2026 data
Vermillion State Bank vs Electric Machinery Employees Credit Union
Credit union
Electric Machinery Employees Credit Union
Minneapolis, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Vermillion State Bank | Electric Machinery Employees Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 71 |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 92 (stronger) | 60 |
| Earnings | 100 (stronger) | 5 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 95th | 42nd |
| Total assets | $931.4M | $8.4M |
| Deposits / shares | $806.6M | $6.3M |
| Capital ratio | 13.40% | 24.60% (stronger) |
| Problem loans | 0.24% (stronger) | 1.20% |
| Net charge-offs | -0.12% (stronger) | -0.00% |
| Return on assets | 2.56% (stronger) | -0.38% |
| Loans ÷ deposits | 51.7% (stronger) | 58.3% |
| Uninsured deposits | 30.2% | 0.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Vermillion State Bank has the higher TellerScore (90 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Vermillion State Bank leads on 5 and Electric Machinery Employees 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.