Side-by-side · Q2 2026 data
Celco Community Federal Credit Union vs Central Virginia Federal Credit Union
Credit union
Celco Community Federal Credit Union
Narrows, Virginia · $100 million – $1 billion
Credit union
Central Virginia Federal Credit Union
Lynchburg, Virginia · $100 million – $1 billion
Metric by metric
| Measure | Celco Community Federal Credit Union | Central Virginia Federal Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 77 |
| Loan quality | 56 (stronger) | 47 |
| Earnings | 85 (stronger) | 75 |
| Funding & liquidity | 95 (stronger) | 92 |
| Problem-loan coverage | 93 (stronger) | 85 |
| Peer percentile | 87th | 57th |
| Total assets | $143.9M | $197.8M |
| Deposits / shares | $113.2M | $171.2M |
| Capital ratio | 20.92% (stronger) | 12.70% |
| Problem loans | 1.33% (stronger) | 1.59% |
| Net charge-offs | 0.15% (stronger) | 0.35% |
| Return on assets | 1.62% (stronger) | 1.38% |
| Loans ÷ deposits | 65.3% (stronger) | 68.5% |
| Uninsured deposits | 5.3% | 2.3% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.1% | — |
Celco Community Federal Credit Union has the higher TellerScore (85 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Celco Community Federal Credit Union leads on 6 and Central Virginia Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.