Side-by-side · Q2 2026 data
Citizens and Farmers Bank vs Baylands Family Credit Union
Metric by metric
| Measure | Citizens and Farmers Bank | Baylands Family Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 58 |
| Capital cushion | 62 (stronger) | 46 |
| Loan quality | 97 (stronger) | 42 |
| Earnings | 71 (stronger) | 54 |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 81 |
| Peer percentile | 77th | 19th |
| Total assets | $2.8B | $95.0M |
| Deposits / shares | $2.4B | $85.5M |
| Capital ratio | 11.20% (stronger) | 9.62% |
| Problem loans | 0.09% (stronger) | 1.74% |
| Net charge-offs | 0.57% | 0.29% (stronger) |
| Return on assets | 1.27% (stronger) | 0.86% |
| Loans ÷ deposits | 89.0% | 57.5% (stronger) |
| Uninsured deposits | 30.5% | 2.6% (stronger) |
| Offices | 32 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.4% | 3.8% |
Citizens and Farmers Bank has the higher TellerScore (75 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Citizens and Farmers Bank leads on 4 and Baylands Family 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
- Quinton, VA
- West Point, VA
- Williamsburg, VA