Side-by-side · Q2 2026 data
Vibrant Credit Union vs Empeople Credit Union
Metric by metric
| Measure | Vibrant Credit Union | Empeople Credit Union |
|---|---|---|
| TellerScore | 42 | 58 (stronger) |
| Capital cushion | 30 | 33 (stronger) |
| Loan quality | 47 | 80 (stronger) |
| Earnings | 29 | 50 (stronger) |
| Funding & liquidity | 60 | 62 (stronger) |
| Problem-loan coverage | 65 | 87 (stronger) |
| Peer percentile | 2nd | 19th |
| Total assets | $1.2B | $2.3B |
| Deposits / shares | $958.6M | $2.0B |
| Capital ratio | 8.04% | 8.31% (stronger) |
| Problem loans | 1.59% | 0.59% (stronger) |
| Net charge-offs | 0.72% | 0.46% (stronger) |
| Return on assets | 0.23% | 0.74% (stronger) |
| Loans ÷ deposits | 100.1% | 96.1% (stronger) |
| Uninsured deposits | 7.4% (stronger) | 16.7% |
| Offices | 3 | 35 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 25.7% |
Empeople Credit Union has the higher TellerScore (58 vs 42). On the 7 directional measures above (where higher or lower is clearly better), Vibrant Credit Union leads on 1 and Empeople Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.