Side-by-side · Q2 2026 data
Citizens and Farmers Bank vs 1st Advantage Federal Credit Union
Credit union
1st Advantage Federal Credit Union
Newport News, Virginia · $1 billion – $10 billion
Metric by metric
| Measure | Citizens and Farmers Bank | 1st Advantage Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 90 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 97 (stronger) | 85 |
| Earnings | 71 | 92 (stronger) |
| Funding & liquidity | 54 | 72 (stronger) |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 77th | 98th |
| Total assets | $2.8B | $1.1B |
| Deposits / shares | $2.4B | $895.7M |
| Capital ratio | 11.20% | 16.66% (stronger) |
| Problem loans | 0.09% (stronger) | 0.45% |
| Net charge-offs | 0.57% | 0.39% (stronger) |
| Return on assets | 1.27% | 1.81% (stronger) |
| Loans ÷ deposits | 89.0% | 87.8% (stronger) |
| Uninsured deposits | 30.5% | 4.8% (stronger) |
| Offices | 32 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.4% | 28.0% |
1st Advantage Federal Credit Union has the higher TellerScore (90 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Citizens and Farmers Bank leads on 1 and 1st Advantage Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.