Side-by-side · Q2 2026 data
Freedom First Federal Credit Union vs University of VA Community Credit Union
Credit union
University of VA Community Credit Union
Charlottesville, Virginia · $1 billion – $10 billion
Metric by metric
| Measure | Freedom First Federal Credit Union | University of VA Community Credit Union |
|---|---|---|
| TellerScore | 64 | 69 (stronger) |
| Capital cushion | 59 (stronger) | 54 |
| Loan quality | 84 (stronger) | 81 |
| Earnings | 42 | 51 (stronger) |
| Funding & liquidity | 50 | 88 (stronger) |
| Problem-loan coverage | 91 | 92 (stronger) |
| Peer percentile | 36th | 54th |
| Total assets | $1.3B | $1.6B |
| Deposits / shares | $1.0B | $1.4B |
| Capital ratio | 10.89% (stronger) | 10.44% |
| Problem loans | 0.48% (stronger) | 0.57% |
| Net charge-offs | 0.16% (stronger) | 0.44% |
| Return on assets | 0.55% | 0.77% (stronger) |
| Loans ÷ deposits | 106.5% | 72.5% (stronger) |
| Uninsured deposits | 18.3% | 6.8% (stronger) |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.2% | — |
University of VA Community Credit Union has the higher TellerScore (69 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Freedom First Federal Credit Union leads on 3 and University of VA Community Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.