Side-by-side · Q2 2026 data
Gate City Bank vs Fargo VA Federal Credit Union
Metric by metric
| Measure | Gate City Bank | Fargo VA Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 84 (stronger) |
| Capital cushion | 48 | 76 (stronger) |
| Loan quality | 77 | 100 (stronger) |
| Earnings | 54 | 57 (stronger) |
| Funding & liquidity | 78 | 98 (stronger) |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 36th | 75th |
| Total assets | $4.0B | $14.1M |
| Deposits / shares | $3.6B | $12.3M |
| Capital ratio | 9.85% | 12.63% (stronger) |
| Problem loans | 0.69% | 0.00% (stronger) |
| Net charge-offs | 0.16% | -0.00% (stronger) |
| Return on assets | 0.85% | 0.91% (stronger) |
| Loans ÷ deposits | 82.5% | 62.4% (stronger) |
| Uninsured deposits | 10.9% | 3.3% (stronger) |
| Offices | 45 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Fargo VA Federal Credit Union has the higher TellerScore (84 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Gate City Bank leads on 0 and Fargo VA Federal Credit Union on 7. 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.