Side-by-side · Q2 2026 data
Benchmark Community Bank vs Halifax County Community Federal Credit Union
Credit union
Halifax County Community Federal Credit Union
South Boston, Virginia · Under $100 million in assets
Metric by metric
| Measure | Benchmark Community Bank | Halifax County Community Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 45 |
| Capital cushion | 48 (stronger) | 12 |
| Loan quality | 94 (stronger) | 68 |
| Earnings | 85 (stronger) | 0 |
| Funding & liquidity | 71 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 77th | 5th |
| Total assets | $1.4B | $7.1M |
| Deposits / shares | $1.3B | $6.7M |
| Capital ratio | 9.80% (stronger) | 6.24% |
| Problem loans | 0.17% (stronger) | 0.97% |
| Net charge-offs | 0.02% (stronger) | 1.31% |
| Return on assets | 1.63% (stronger) | -1.47% |
| Loans ÷ deposits | 88.9% | 29.7% (stronger) |
| Uninsured deposits | 7.8% | 0.0% (stronger) |
| Offices | 18 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
Benchmark Community Bank has the higher TellerScore (75 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Benchmark Community Bank leads on 5 and Halifax County Community Federal Credit Union on 2. 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.