TellerScore

Headquartered in Sandusky, Ohio, Vacationland Federal Credit Union is a federal credit union with $326.9M in total assets and $281.7M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1956.

Based on its Q2 2026 filing, Vacationland Federal Credit Union scores 72/100, which we describe as strong. That is higher than 57% of 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 90th. Its strongest component is funding & liquidity (95/100; 65% loans-to-deposits, 5% uninsured), and its lowest is earnings (49/100; 0.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Net worth ratio: 12.84%
Loan quality61/100
Loans 60+ days delinquent ÷ total loans: 1.16%
Earnings49/100
Return on assets (annualized): 0.73%
Funding & liquidity95/100
Loans ÷ shares: 64.9% · 4.9% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.12%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (75 → 72), mostly because the loan quality component weakened by 19 points.

TellerScore
727476Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202476
Q3 202476
Q4 202474
Q1 202574
Q2 202575
Q3 202576
Q4 202573
Q1 202673
Q2 202672
Net worth ratio
7.00%9.93%12.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202412.62%
Q3 202412.81%
Q4 202412.85%
Q1 202512.68%
Q2 202512.75%
Q3 202512.85%
Q4 202512.71%
Q1 202612.57%
Q2 202612.84%
Delinquent loans (60+ days)
0.43%0.79%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.43%
Q3 20240.43%
Q4 20240.65%
Q1 20250.70%
Q2 20250.59%
Q3 20250.52%
Q4 20250.83%
Q1 20260.90%
Q2 20261.16%
Return on assets
0.51%0.62%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.54%
Q3 20240.60%
Q4 20240.59%
Q1 20250.54%
Q2 20250.51%
Q3 20250.54%
Q4 20250.55%
Q1 20260.57%
Q2 20260.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$326.9M12.84%1.16%0.73%64.9%
Q1 202673$328.1M12.57%0.90%0.57%63.9%
Q4 202573$320.9M12.71%0.83%0.55%66.4%
Q3 202576$313.7M12.85%0.52%0.54%68.8%
Q2 202575$312.6M12.75%0.59%0.51%68.8%
Q1 202574$311.2M12.68%0.70%0.54%68.7%
Q4 202474$303.9M12.85%0.65%0.59%71.5%
Q3 202476$301.5M12.81%0.43%0.60%73.0%
Q2 202476$301.9M12.62%0.43%0.54%72.2%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.84%
68th
Problem loans1.16%
23rd
Net charge-offs0.40%
45th
Return on assets0.73%
49th
Loans to deposits64.9%
70th
Uninsured deposits4.9%
61st
Loan-loss reserves0.00%
50th
Texas ratio5.1%
38th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Glass City Federal Credit UnionCredit union Maumee, OH78 out of 100, Strong$326.1M11.3%0.22%vs
Genfed Financial Credit UnionCredit union Akron, OH79 out of 100, Strong$335.9M16.8%1.38%vs
Oc Federal Credit UnionCredit union Garfield Hts, OH81 out of 100, Strong$314.9M13.5%0.17%vs
Myusa Credit UnionCredit union Middletown, OH64 out of 100, Moderate$351.2M14.2%2.34%vs
Pse Credit Union, Inc.Credit union Parma, OH72 out of 100, Strong$352.5M11.1%0.61%vs
Firefighters Community Credit UnionCredit union Cleveland, OH65 out of 100, Moderate$358.6M9.8%0.61%vs

Deposit insurance

Is my money safe at Vacationland Federal Credit Union?

Yes. Vacationland Federal Credit Union is a federally insured credit union (NCUA charter #11293). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.9% of shares and deposits ($13.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.84%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Vacationland Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Vacationland Federal Credit Union reported 39 home-loan applications under HMDA (LEI 254900Q92E0LJ0RGCE42): 21 originated ($3,535,000 total), 8 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 26.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Vacationland Federal Credit Union
Type
Federal credit union
NCUA charter #
11293
RSSD ID
624787
Primary regulator
NCUA
Established
1956
Headquarters
2911 Hayes Ave, Sandusky, OH 44870
Employees
72

Quick answers

Vacationland Federal Credit Union: common questions

Is Vacationland Federal Credit Union NCUA insured?

Yes. Vacationland Federal Credit Union is a federally insured credit union (NCUA charter #11293). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Vacationland Federal Credit Union's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Vacationland Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Sandusky

InstitutionScoreAssetsCapitalProblem loansCompare
Civista BankBank Sandusky, OH75 out of 100, Strong$4.3B12.7%0.92%vs
First Federal Bank of OhioBank Galion, OH75 out of 100, Strong$282.9M13.7%0.93%vs
The Farmers State BankBank New Madison, OH75 out of 100, Strong$329.6M10.9%0.28%vs
Fremont Federal Credit UnionCredit union Fremont, OH74 out of 100, Strong$391.4M12.7%0.86%vs
The Croghan Colonial BankBank Fremont, OH73 out of 100, Strong$1.4B10.1%0.08%vs
The Old Fort Banking CompanyBank Old Fort, OH72 out of 100, Strong$843.9M8.9%0.20%vs