Side-by-side · Q2 2026 data
Vermont State Bank vs The Family Credit Union
Metric by metric
| Measure | Vermont State Bank | The Family Credit Union |
|---|---|---|
| TellerScore | 73 | 75 (stronger) |
| Capital cushion | 100 (stronger) | 90 |
| Loan quality | 0 | 63 (stronger) |
| Earnings | 100 (stronger) | 41 |
| Funding & liquidity | 96 | 99 (stronger) |
| Problem-loan coverage | 83 | 90 (stronger) |
| Peer percentile | 48th | 66th |
| Total assets | $31.0M | $253.3M |
| Deposits / shares | $21.0M | $216.0M |
| Capital ratio | 28.17% (stronger) | 13.99% |
| Problem loans | 5.08% | 1.10% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.99% |
| Return on assets | 6.34% (stronger) | 0.52% |
| Loans ÷ deposits | 64.2% | 61.5% (stronger) |
| Uninsured deposits | 5.3% (stronger) | 5.5% |
| Offices | 1 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Family Credit Union has the higher TellerScore (75 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Vermont State Bank leads on 4 and The Family Credit Union on 3. 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.