Side-by-side · Q2 2026 data
Vocal Credit Union vs Rocky Mountain Credit Union
Metric by metric
| Measure | Vocal Credit Union | Rocky Mountain Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 53 |
| Capital cushion | 82 (stronger) | 37 |
| Loan quality | 87 (stronger) | 62 |
| Earnings | 66 (stronger) | 27 |
| Funding & liquidity | 88 (stronger) | 87 |
| Problem-loan coverage | 96 (stronger) | 83 |
| Peer percentile | 70th | 9th |
| Total assets | $52.6M | $426.5M |
| Deposits / shares | $45.2M | $366.6M |
| Capital ratio | 13.19% (stronger) | 8.74% |
| Problem loans | 0.40% (stronger) | 1.15% |
| Net charge-offs | 0.19% (stronger) | 0.48% |
| Return on assets | 1.16% (stronger) | 0.17% |
| Loans ÷ deposits | 72.3% (stronger) | 73.6% |
| Uninsured deposits | 1.4% | 0.0% (stronger) |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.0% |
Vocal Credit Union has the higher TellerScore (82 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Vocal Credit Union leads on 6 and Rocky Mountain Credit Union on 1. 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.