Side-by-side · Q2 2026 data
Vermillion State Bank vs Farm Credit Employees Federal Credit Union
Credit union
Farm Credit Employees Federal Credit Union
Saint Paul, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Vermillion State Bank | Farm Credit Employees Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 58 |
| Capital cushion | 84 (stronger) | 60 |
| Loan quality | 92 (stronger) | 79 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 83 (stronger) | 74 |
| Problem-loan coverage | 97 (stronger) | 91 |
| Peer percentile | 95th | 19th |
| Total assets | $931.4M | $17.3M |
| Deposits / shares | $806.6M | $15.3M |
| Capital ratio | 13.40% (stronger) | 10.95% |
| Problem loans | 0.24% (stronger) | 0.62% |
| Net charge-offs | -0.12% (stronger) | 0.35% |
| Return on assets | 2.56% (stronger) | -1.44% |
| Loans ÷ deposits | 51.7% (stronger) | 86.4% |
| 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 58). On the 7 directional measures above (where higher or lower is clearly better), Vermillion State Bank leads on 6 and Farm Credit Employees 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.