Side-by-side · Q2 2026 data
Visions Federal Credit Union vs Municipal Credit Union
Metric by metric
| Measure | Visions Federal Credit Union | Municipal Credit Union |
|---|---|---|
| TellerScore | 64 | 68 (stronger) |
| Capital cushion | 50 | 69 (stronger) |
| Loan quality | 70 (stronger) | 45 |
| Earnings | 44 | 76 (stronger) |
| Funding & liquidity | 89 (stronger) | 85 |
| Problem-loan coverage | 89 (stronger) | 81 |
| Peer percentile | 36th | 50th |
| Total assets | $5.5B | $5.2B |
| Deposits / shares | $4.9B | $4.5B |
| Capital ratio | 10.00% | 11.93% (stronger) |
| Problem loans | 0.89% (stronger) | 1.66% |
| Net charge-offs | 0.36% (stronger) | 0.90% |
| Return on assets | 0.59% | 1.40% (stronger) |
| Loans ÷ deposits | 71.5% (stronger) | 75.1% |
| Uninsured deposits | 9.9% | 5.4% (stronger) |
| Offices | 22 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.6% | 40.3% |
Municipal Credit Union has the higher TellerScore (68 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Visions Federal Credit Union leads on 3 and Municipal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.