Side-by-side · Q2 2026 data
Central Virginia Federal Credit Union vs Healthcare Systems Federal Credit Union
Credit union
Central Virginia Federal Credit Union
Lynchburg, Virginia · $100 million – $1 billion
Credit union
Healthcare Systems Federal Credit Union
Falls Church, Virginia · $100 million – $1 billion
Metric by metric
| Measure | Central Virginia Federal Credit Union | Healthcare Systems Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 73 (stronger) |
| Capital cushion | 77 (stronger) | 64 |
| Loan quality | 47 | 84 (stronger) |
| Earnings | 75 (stronger) | 42 |
| Funding & liquidity | 92 | 99 (stronger) |
| Problem-loan coverage | 85 | 95 (stronger) |
| Peer percentile | 57th | 60th |
| Total assets | $197.8M | $135.5M |
| Deposits / shares | $171.2M | $120.6M |
| Capital ratio | 12.70% (stronger) | 11.41% |
| Problem loans | 1.59% | 0.49% (stronger) |
| Net charge-offs | 0.35% (stronger) | 0.37% |
| Return on assets | 1.38% (stronger) | 0.54% |
| Loans ÷ deposits | 68.5% | 61.6% (stronger) |
| Uninsured deposits | 2.3% | 1.6% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Healthcare Systems Federal Credit Union has the higher TellerScore (73 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Central Virginia Federal Credit Union leads on 3 and Healthcare Systems Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.