Side-by-side · Q2 2026 data
1st Advantage Federal Credit Union vs Beach Municipal Federal Credit Union
Credit union
1st Advantage Federal Credit Union
Newport News, Virginia · $1 billion – $10 billion
Credit union
Beach Municipal Federal Credit Union
Virginia Beach, Virginia · $100 million – $1 billion
Metric by metric
| Measure | 1st Advantage Federal Credit Union | Beach Municipal Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 87 |
| Capital cushion | 100 (stronger) | 91 |
| Loan quality | 85 (stronger) | 74 |
| Earnings | 92 (stronger) | 84 |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 98th | 91st |
| Total assets | $1.1B | $194.7M |
| Deposits / shares | $895.7M | $167.6M |
| Capital ratio | 16.66% (stronger) | 14.13% |
| Problem loans | 0.45% (stronger) | 0.78% |
| Net charge-offs | 0.39% | 0.15% (stronger) |
| Return on assets | 1.81% (stronger) | 1.60% |
| Loans ÷ deposits | 87.8% | 56.3% (stronger) |
| Uninsured deposits | 4.8% (stronger) | 10.7% |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.0% | 4.3% |
1st Advantage Federal Credit Union has the higher TellerScore (90 vs 87). On the 7 directional measures above (where higher or lower is clearly better), 1st Advantage Federal Credit Union leads on 5 and Beach Municipal Federal Credit Union on 2. 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.