Side-by-side · Q2 2026 data
Beach Municipal Federal Credit Union vs Virginia Educators Credit Union
Credit union
Beach Municipal Federal Credit Union
Virginia Beach, Virginia · $100 million – $1 billion
Credit union
Virginia Educators Credit Union
Newport News, Virginia · Under $100 million in assets
Metric by metric
| Measure | Beach Municipal Federal Credit Union | Virginia Educators Credit Union |
|---|---|---|
| TellerScore | 87 | 96 (stronger) |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 74 | 86 (stronger) |
| Earnings | 84 | 97 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 91st | 97th |
| Total assets | $194.7M | $76.3M |
| Deposits / shares | $167.6M | $57.3M |
| Capital ratio | 14.13% | 24.16% (stronger) |
| Problem loans | 0.78% | 0.43% (stronger) |
| Net charge-offs | 0.15% (stronger) | 0.21% |
| Return on assets | 1.60% | 1.92% (stronger) |
| Loans ÷ deposits | 56.3% | 13.0% (stronger) |
| Uninsured deposits | 10.7% | 3.4% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | — |
Virginia Educators Credit Union has the higher TellerScore (96 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Beach Municipal Federal Credit Union leads on 1 and Virginia Educators Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.