Side-by-side · Q2 2026 data
Highlands Community Bank vs Jackson River Community Credit Union
Credit union
Jackson River Community Credit Union
Covington, Virginia · $100 million – $1 billion
Metric by metric
| Measure | Highlands Community Bank | Jackson River Community Credit Union |
|---|---|---|
| TellerScore | 57 | 87 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 16 | 53 (stronger) |
| Earnings | 36 | 100 (stronger) |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 81 | 92 (stronger) |
| Peer percentile | 14th | 91st |
| Total assets | $188.9M | $132.6M |
| Deposits / shares | $167.3M | $111.4M |
| Capital ratio | 12.63% | 15.90% (stronger) |
| Problem loans | 2.51% | 1.41% (stronger) |
| Net charge-offs | 0.27% (stronger) | 0.67% |
| Return on assets | 0.39% | 2.42% (stronger) |
| Loans ÷ deposits | 48.6% | 48.1% (stronger) |
| Uninsured deposits | 18.1% | 3.5% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Jackson River Community Credit Union has the higher TellerScore (87 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Highlands Community Bank leads on 1 and Jackson River Community Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Covington, VA