Side-by-side · Q2 2026 data
First Care Federal Credit Union vs Halifax County Community Federal Credit Union
Credit union
First Care Federal Credit Union
Roanoke, Virginia · Under $100 million in assets
Credit union
Halifax County Community Federal Credit Union
South Boston, Virginia · Under $100 million in assets
Metric by metric
| Measure | First Care Federal Credit Union | Halifax County Community Federal Credit Union |
|---|---|---|
| TellerScore | 48 (stronger) | 45 |
| Capital cushion | 33 (stronger) | 12 |
| Loan quality | 56 | 68 (stronger) |
| Earnings | 0 | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 90 | 92 (stronger) |
| Peer percentile | 7th | 5th |
| Total assets | $5.0M | $7.1M |
| Deposits / shares | $4.6M | $6.7M |
| Capital ratio | 8.29% (stronger) | 6.24% |
| Problem loans | 1.32% | 0.97% (stronger) |
| Net charge-offs | 11.88% | 1.31% (stronger) |
| Return on assets | -19.19% | -1.47% (stronger) |
| Loans ÷ deposits | 50.3% | 29.7% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Care Federal Credit Union has the higher TellerScore (48 vs 45). On the 6 directional measures above (where higher or lower is clearly better), First Care Federal Credit Union leads on 2 and Halifax County Community Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.