Side-by-side · Q2 2026 data
1st Advantage Federal Credit Union vs Virginia Educators Credit Union
Credit union
1st Advantage Federal Credit Union
Newport News, Virginia · $1 billion – $10 billion
Credit union
Virginia Educators Credit Union
Newport News, Virginia · Under $100 million in assets
Metric by metric
| Measure | 1st Advantage Federal Credit Union | Virginia Educators Credit Union |
|---|---|---|
| TellerScore | 90 | 96 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 85 | 86 (stronger) |
| Earnings | 92 | 97 (stronger) |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 98th | 97th |
| Total assets | $1.1B | $76.3M |
| Deposits / shares | $895.7M | $57.3M |
| Capital ratio | 16.66% | 24.16% (stronger) |
| Problem loans | 0.45% | 0.43% (stronger) |
| Net charge-offs | 0.39% | 0.21% (stronger) |
| Return on assets | 1.81% | 1.92% (stronger) |
| Loans ÷ deposits | 87.8% | 13.0% (stronger) |
| Uninsured deposits | 4.8% | 3.4% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.0% | — |
Virginia Educators Credit Union has the higher TellerScore (96 vs 90). On the 7 directional measures above (where higher or lower is clearly better), 1st Advantage Federal Credit Union leads on 0 and Virginia Educators Credit Union on 7. 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.