Side-by-side · Q2 2026 data
Vermillion State Bank vs West Metro Schools Credit Union
Credit union
West Metro Schools Credit Union
Hopkins, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Vermillion State Bank | West Metro Schools Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 65 |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 92 (stronger) | 4 |
| Earnings | 100 (stronger) | 54 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 86 |
| Peer percentile | 95th | 30th |
| Total assets | $931.4M | $43.6M |
| Deposits / shares | $806.6M | $35.7M |
| Capital ratio | 13.40% | 17.85% (stronger) |
| Problem loans | 0.24% (stronger) | 2.87% |
| Net charge-offs | -0.12% (stronger) | 0.75% |
| Return on assets | 2.56% (stronger) | 0.84% |
| Loans ÷ deposits | 51.7% (stronger) | 54.9% |
| Uninsured deposits | 30.2% | 1.0% (stronger) |
| Offices | 6 | 3 |
| 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 5 and West Metro Schools 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.