Side-by-side · Q2 2026 data
Bank of America, National Association vs Allvac Savings and Credit Union
Credit union
Allvac Savings and Credit Union
Monroe, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Bank of America, National Association | Allvac Savings and Credit Union |
|---|---|---|
| TellerScore | 59 | 90 (stronger) |
| Capital cushion | 21 | 100 (stronger) |
| Loan quality | 78 | 97 (stronger) |
| Earnings | 65 (stronger) | 63 |
| Funding & liquidity | 70 | 91 (stronger) |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 31st | 89th |
| Total assets | $2.7T | $9.5M |
| Deposits / shares | $2.1T | $7.8M |
| Capital ratio | 7.11% | 17.59% (stronger) |
| Problem loans | 0.65% | 0.09% (stronger) |
| Net charge-offs | 0.47% | 0.39% (stronger) |
| Return on assets | 1.13% (stronger) | 1.07% |
| Loans ÷ deposits | 56.5% (stronger) | 68.9% |
| Uninsured deposits | 42.4% | 8.5% (stronger) |
| Offices | 3,759 | 1 |
| CFPB complaints (3 yrs) | 55,528 | — |
| Complaints per $1B deposits | 26.2 | — |
| Mortgage denial rate (HMDA) | 44.7% | — |
Allvac Savings and Credit Union has the higher TellerScore (90 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Bank of America, National Association leads on 2 and Allvac Savings and Credit Union on 5. 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.