Side-by-side · Q2 2026 data
Bank of the James vs Beacon Credit Union, Incorporated
Metric by metric
| Measure | Bank of the James | Beacon Credit Union, Incorporated |
|---|---|---|
| TellerScore | 69 | 74 (stronger) |
| Capital cushion | 44 | 66 (stronger) |
| Loan quality | 95 (stronger) | 92 |
| Earnings | 60 | 63 (stronger) |
| Funding & liquidity | 69 (stronger) | 60 |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 53rd | 63rd |
| Total assets | $1.0B | $391.6M |
| Deposits / shares | $938.1M | $342.0M |
| Capital ratio | 9.38% | 11.60% (stronger) |
| Problem loans | 0.16% (stronger) | 0.24% |
| Net charge-offs | 0.05% (stronger) | 0.29% |
| Return on assets | 1.01% | 1.08% (stronger) |
| Loans ÷ deposits | 73.7% (stronger) | 99.8% |
| Uninsured deposits | 30.6% | 2.5% (stronger) |
| Offices | 21 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Beacon Credit Union, Incorporated has the higher TellerScore (74 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Bank of the James leads on 3 and Beacon Credit Union, Incorporated on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Lynchburg, VA
- Roanoke, VA
- Bedford, VA
- Madison Heights, VA