Side-by-side · Q2 2026 data
Vermillion State Bank vs Sharepoint Credit Union
Metric by metric
| Measure | Vermillion State Bank | Sharepoint Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 68 |
| Capital cushion | 84 (stronger) | 68 |
| Loan quality | 92 (stronger) | 66 |
| Earnings | 100 (stronger) | 44 |
| Funding & liquidity | 83 | 87 (stronger) |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 95th | 45th |
| Total assets | $931.4M | $360.1M |
| Deposits / shares | $806.6M | $317.6M |
| Capital ratio | 13.40% (stronger) | 11.80% |
| Problem loans | 0.24% (stronger) | 1.02% |
| Net charge-offs | -0.12% (stronger) | 0.20% |
| Return on assets | 2.56% (stronger) | 0.60% |
| Loans ÷ deposits | 51.7% (stronger) | 73.2% |
| Uninsured deposits | 30.2% | 5.1% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 12.5% |
Vermillion State Bank has the higher TellerScore (90 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Vermillion State Bank leads on 6 and Sharepoint Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.