Side-by-side · Q2 2026 data
Happen Bank, National Association vs Norfolk Fire Department Federal Credit Union
Credit union
Norfolk Fire Department Federal Credit Union
Norfolk, Virginia · Under $100 million in assets
Metric by metric
| Measure | Happen Bank, National Association | Norfolk Fire Department Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 93 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 73 | 86 (stronger) |
| Earnings | 93 (stronger) | 82 |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 94th | 94th |
| Total assets | $12.5B | $26.8M |
| Deposits / shares | $10.9B | $21.4M |
| Capital ratio | 10.98% | 20.12% (stronger) |
| Problem loans | 0.82% | 0.41% (stronger) |
| Net charge-offs | 2.15% | 0.25% (stronger) |
| Return on assets | 1.82% (stronger) | 1.55% |
| Loans ÷ deposits | 63.1% | 30.4% (stronger) |
| Uninsured deposits | 12.0% | 3.2% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Norfolk Fire Department Federal Credit Union has the higher TellerScore (93 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Happen Bank, National Association leads on 1 and Norfolk Fire Department Federal Credit Union on 6. 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.