Side-by-side · Q2 2026 data
Bank of Botetourt vs Kemba Roanoke Federal Credit Union
Metric by metric
| Measure | Bank of Botetourt | Kemba Roanoke Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 82 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 92 (stronger) | 75 |
| Earnings | 92 (stronger) | 44 |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 75th | 70th |
| Total assets | $939.4M | $76.7M |
| Deposits / shares | $821.5M | $65.0M |
| Capital ratio | 11.00% | 16.37% (stronger) |
| Problem loans | 0.25% (stronger) | 0.74% |
| Net charge-offs | 0.05% (stronger) | 0.78% |
| Return on assets | 1.80% (stronger) | 0.60% |
| Loans ÷ deposits | 94.3% | 36.5% (stronger) |
| Uninsured deposits | 13.5% | 2.2% (stronger) |
| Offices | 14 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | — |
Kemba Roanoke Federal Credit Union has the higher TellerScore (82 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Bank of Botetourt leads on 3 and Kemba Roanoke Federal Credit Union on 4. 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.