Side-by-side · Q2 2026 data
Vida Federal Credit Union vs E-Central Credit Union
Metric by metric
| Measure | Vida Federal Credit Union | E-Central Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 78 |
| Capital cushion | 88 | 100 (stronger) |
| Loan quality | 96 (stronger) | 74 |
| Earnings | 39 | 49 (stronger) |
| Funding & liquidity | 100 (stronger) | 76 |
| Problem-loan coverage | 99 (stronger) | 83 |
| Peer percentile | 83rd | 74th |
| Total assets | $174.6M | $173.5M |
| Deposits / shares | $150.4M | $130.7M |
| Capital ratio | 13.75% | 23.41% (stronger) |
| Problem loans | 0.13% (stronger) | 0.77% |
| Net charge-offs | 0.34% | 0.21% (stronger) |
| Return on assets | 0.49% | 0.72% (stronger) |
| Loans ÷ deposits | 59.0% (stronger) | 84.6% |
| Uninsured deposits | 5.5% (stronger) | 6.9% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vida Federal Credit Union has the higher TellerScore (83 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Vida Federal Credit Union leads on 4 and E-Central Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.