Side-by-side · Q2 2026 data
Vision Financial Federal Credit Union vs Civic Federal Credit Union
Credit union
Vision Financial Federal Credit Union
Durham, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Vision Financial Federal Credit Union | Civic Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 11 |
| Capital cushion | 100 (stronger) | 9 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 69 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 53 |
| Problem-loan coverage | 100 (stronger) | 0 |
| Peer percentile | 95th | 0th |
| Total assets | $59.5M | $3.1B |
| Deposits / shares | $49.1M | $2.6B |
| Capital ratio | 16.82% (stronger) | 5.87% |
| Problem loans | 0.00% (stronger) | 6.27% |
| Net charge-offs | 0.22% (stronger) | 2.61% |
| Return on assets | 1.23% (stronger) | -3.07% |
| Loans ÷ deposits | 41.1% (stronger) | 106.9% |
| Uninsured deposits | 4.7% (stronger) | 9.0% |
| Offices | 2 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vision Financial Federal Credit Union has the higher TellerScore (94 vs 11). On the 7 directional measures above (where higher or lower is clearly better), Vision Financial Federal Credit Union leads on 7 and Civic Federal Credit Union on 0. 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.