Side-by-side · Q2 2026 data
Vision Financial Federal Credit Union vs Electel Cooperative
Credit union
Vision Financial Federal Credit Union
Durham, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Vision Financial Federal Credit Union | Electel Cooperative |
|---|---|---|
| TellerScore | 94 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 77 |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 69 (stronger) | 20 |
| Funding & liquidity | 100 (stronger) | 90 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 95th | 44th |
| Total assets | $59.5M | $68.2M |
| Deposits / shares | $49.1M | $59.9M |
| Capital ratio | 16.82% (stronger) | 12.67% |
| Problem loans | 0.00% (stronger) | 0.37% |
| Net charge-offs | 0.22% (stronger) | 0.35% |
| Return on assets | 1.23% (stronger) | 0.01% |
| Loans ÷ deposits | 41.1% (stronger) | 70.6% |
| Uninsured deposits | 4.7% (stronger) | 7.6% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vision Financial Federal Credit Union has the higher TellerScore (94 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Vision Financial Federal Credit Union leads on 7 and Electel Cooperative on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.