Side-by-side · Q2 2026 data
Beach Municipal Federal Credit Union vs Central Virginia Federal Credit Union
Credit union
Beach Municipal Federal Credit Union
Virginia Beach, Virginia · $100 million – $1 billion
Credit union
Central Virginia Federal Credit Union
Lynchburg, Virginia · $100 million – $1 billion
Metric by metric
| Measure | Beach Municipal Federal Credit Union | Central Virginia Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 72 |
| Capital cushion | 91 (stronger) | 77 |
| Loan quality | 74 (stronger) | 47 |
| Earnings | 84 (stronger) | 75 |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 95 (stronger) | 85 |
| Peer percentile | 91st | 57th |
| Total assets | $194.7M | $197.8M |
| Deposits / shares | $167.6M | $171.2M |
| Capital ratio | 14.13% (stronger) | 12.70% |
| Problem loans | 0.78% (stronger) | 1.59% |
| Net charge-offs | 0.15% (stronger) | 0.35% |
| Return on assets | 1.60% (stronger) | 1.38% |
| Loans ÷ deposits | 56.3% (stronger) | 68.5% |
| Uninsured deposits | 10.7% | 2.3% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | — |
Beach Municipal Federal Credit Union has the higher TellerScore (87 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Beach Municipal Federal Credit Union leads on 6 and Central Virginia Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.