Side-by-side · Q2 2026 data
Benchmark Community Bank vs Yogaville Federal Credit Union
Credit union
Yogaville Federal Credit Union
Buckingham, Virginia · Under $100 million in assets
Metric by metric
| Measure | Benchmark Community Bank | Yogaville Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 67 |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 94 (stronger) | 49 |
| Earnings | 85 (stronger) | 42 |
| Funding & liquidity | 71 (stronger) | 43 |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 77th | 34th |
| Total assets | $1.4B | $3.9M |
| Deposits / shares | $1.3B | $2.6M |
| Capital ratio | 9.80% | 32.34% (stronger) |
| Problem loans | 0.17% (stronger) | 1.54% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.63% (stronger) | 0.55% |
| Loans ÷ deposits | 88.9% | 83.7% (stronger) |
| Uninsured deposits | 7.8% (stronger) | 45.3% |
| Offices | 18 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
Benchmark Community Bank has the higher TellerScore (75 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Benchmark Community Bank leads on 4 and Yogaville Federal Credit Union on 3. 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.