Side-by-side · Q2 2026 data
Carter Bank & Trust vs Central Virginia Federal Credit Union
Credit union
Central Virginia Federal Credit Union
Lynchburg, Virginia · $100 million – $1 billion
Metric by metric
| Measure | Carter Bank & Trust | Central Virginia Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 72 |
| Capital cushion | 67 | 77 (stronger) |
| Loan quality | 66 (stronger) | 47 |
| Earnings | 100 (stronger) | 75 |
| Funding & liquidity | 70 | 92 (stronger) |
| Problem-loan coverage | 86 (stronger) | 85 |
| Peer percentile | 80th | 57th |
| Total assets | $4.8B | $197.8M |
| Deposits / shares | $4.2B | $171.2M |
| Capital ratio | 11.73% | 12.70% (stronger) |
| Problem loans | 1.01% (stronger) | 1.59% |
| Net charge-offs | -0.82% (stronger) | 0.35% |
| Return on assets | 3.66% (stronger) | 1.38% |
| Loans ÷ deposits | 87.7% | 68.5% (stronger) |
| Uninsured deposits | 17.7% | 2.3% (stronger) |
| Offices | 66 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.0% | — |
Carter Bank & Trust has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Carter Bank & Trust leads on 4 and Central Virginia 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.
Where both have branches
- Lynchburg, VA
- Madison Heights, VA