Side-by-side · Q2 2026 data
Vulcraft Employees Federal Credit Union vs Genfed Financial Credit Union
Credit union
Vulcraft Employees Federal Credit Union
St Joe, Indiana · Under $100 million in assets
Metric by metric
| Measure | Vulcraft Employees Federal Credit Union | Genfed Financial Credit Union |
|---|---|---|
| TellerScore | 71 | 79 (stronger) |
| Capital cushion | 88 | 100 (stronger) |
| Loan quality | 58 (stronger) | 54 |
| Earnings | 54 | 67 (stronger) |
| Funding & liquidity | 72 | 88 (stronger) |
| Problem-loan coverage | 87 | 90 (stronger) |
| Peer percentile | 42nd | 76th |
| Total assets | $6.4M | $335.9M |
| Deposits / shares | $5.5M | $280.4M |
| Capital ratio | 13.78% | 16.78% (stronger) |
| Problem loans | 1.25% (stronger) | 1.38% |
| Net charge-offs | 0.00% (stronger) | 0.36% |
| Return on assets | 0.84% | 1.16% (stronger) |
| Loans ÷ deposits | 88.6% | 72.7% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 3 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Genfed Financial Credit Union has the higher TellerScore (79 vs 71). On the 6 directional measures above (where higher or lower is clearly better), Vulcraft Employees Federal Credit Union leads on 2 and Genfed Financial Credit Union on 4. 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.