Side-by-side · Q2 2026 data
Vibrant Credit Union vs Service Plus Credit Union
Metric by metric
| Measure | Vibrant Credit Union | Service Plus Credit Union |
|---|---|---|
| TellerScore | 42 | 81 (stronger) |
| Capital cushion | 30 | 73 (stronger) |
| Loan quality | 47 | 85 (stronger) |
| Earnings | 29 | 65 (stronger) |
| Funding & liquidity | 60 | 100 (stronger) |
| Problem-loan coverage | 65 | 96 (stronger) |
| Peer percentile | 2nd | 68th |
| Total assets | $1.2B | $34.7M |
| Deposits / shares | $958.6M | $30.4M |
| Capital ratio | 8.04% | 12.29% (stronger) |
| Problem loans | 1.59% | 0.46% (stronger) |
| Net charge-offs | 0.72% | 0.55% (stronger) |
| Return on assets | 0.23% | 1.12% (stronger) |
| Loans ÷ deposits | 100.1% | 59.5% (stronger) |
| Uninsured deposits | 7.4% | 2.8% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Service Plus Credit Union has the higher TellerScore (81 vs 42). On the 7 directional measures above (where higher or lower is clearly better), Vibrant Credit Union leads on 0 and Service Plus Credit Union on 7. 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.