Side-by-side · Q2 2026 data
1st Advantage Federal Credit Union vs Baylands Family Credit Union
Credit union
1st Advantage Federal Credit Union
Newport News, Virginia · $1 billion – $10 billion
Metric by metric
| Measure | 1st Advantage Federal Credit Union | Baylands Family Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 58 |
| Capital cushion | 100 (stronger) | 46 |
| Loan quality | 85 (stronger) | 42 |
| Earnings | 92 (stronger) | 54 |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 81 |
| Peer percentile | 98th | 19th |
| Total assets | $1.1B | $95.0M |
| Deposits / shares | $895.7M | $85.5M |
| Capital ratio | 16.66% (stronger) | 9.62% |
| Problem loans | 0.45% (stronger) | 1.74% |
| Net charge-offs | 0.39% | 0.29% (stronger) |
| Return on assets | 1.81% (stronger) | 0.86% |
| Loans ÷ deposits | 87.8% | 57.5% (stronger) |
| Uninsured deposits | 4.8% | 2.6% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.0% | 3.8% |
1st Advantage Federal Credit Union has the higher TellerScore (90 vs 58). On the 7 directional measures above (where higher or lower is clearly better), 1st Advantage Federal Credit Union leads on 4 and Baylands Family Credit Union on 3. 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.