Side-by-side · Q2 2026 data
Bank of Botetourt vs Jackson River Community Credit Union
Credit union
Jackson River Community Credit Union
Covington, Virginia · $100 million – $1 billion
Metric by metric
| Measure | Bank of Botetourt | Jackson River Community Credit Union |
|---|---|---|
| TellerScore | 79 | 87 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 92 (stronger) | 53 |
| Earnings | 92 | 100 (stronger) |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 75th | 91st |
| Total assets | $939.4M | $132.6M |
| Deposits / shares | $821.5M | $111.4M |
| Capital ratio | 11.00% | 15.90% (stronger) |
| Problem loans | 0.25% (stronger) | 1.41% |
| Net charge-offs | 0.05% (stronger) | 0.67% |
| Return on assets | 1.80% | 2.42% (stronger) |
| Loans ÷ deposits | 94.3% | 48.1% (stronger) |
| Uninsured deposits | 13.5% | 3.5% (stronger) |
| Offices | 14 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | — |
Jackson River Community Credit Union has the higher TellerScore (87 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Bank of Botetourt leads on 2 and Jackson River Community 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.