Side-by-side · Q2 2026 data
1st Advantage Federal Credit Union vs Vantage Point Federal Credit Union
Credit union
1st Advantage Federal Credit Union
Newport News, Virginia · $1 billion – $10 billion
Credit union
Vantage Point Federal Credit Union
Hopewell, Virginia · Under $100 million in assets
Metric by metric
| Measure | 1st Advantage Federal Credit Union | Vantage Point Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 71 |
| Capital cushion | 100 | 100 |
| Loan quality | 85 (stronger) | 27 |
| Earnings | 92 (stronger) | 50 |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 98th | 42nd |
| Total assets | $1.1B | $45.0M |
| Deposits / shares | $895.7M | $37.2M |
| Capital ratio | 16.66% | 16.68% (stronger) |
| Problem loans | 0.45% (stronger) | 2.20% |
| Net charge-offs | 0.39% (stronger) | 0.71% |
| Return on assets | 1.81% (stronger) | 0.76% |
| Loans ÷ deposits | 87.8% | 41.8% (stronger) |
| Uninsured deposits | 4.8% (stronger) | 5.0% |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.0% | — |
1st Advantage Federal Credit Union has the higher TellerScore (90 vs 71). On the 7 directional measures above (where higher or lower is clearly better), 1st Advantage Federal Credit Union leads on 5 and Vantage Point 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.