Side-by-side · Q2 2026 data
Carpenters Federal Credit Union vs Virginia Coop Credit Union
Credit union
Carpenters Federal Credit Union
Saint Paul, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Carpenters Federal Credit Union | Virginia Coop Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 78 |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 66 | 71 (stronger) |
| Earnings | 74 | 79 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 (stronger) | 92 |
| Peer percentile | 80th | 59th |
| Total assets | $44.3M | $45.7M |
| Deposits / shares | $37.6M | $40.6M |
| Capital ratio | 16.03% (stronger) | 11.55% |
| Problem loans | 1.01% | 0.86% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.18% |
| Return on assets | 1.35% | 1.48% (stronger) |
| Loans ÷ deposits | 50.7% (stronger) | 56.5% |
| Uninsured deposits | 2.6% (stronger) | 3.3% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Carpenters Federal Credit Union has the higher TellerScore (86 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Carpenters Federal Credit Union leads on 5 and Virginia Coop Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.