Side-by-side · Q2 2026 data
Kemba Roanoke Federal Credit Union vs Baylands Family Credit Union
Metric by metric
| Measure | Kemba Roanoke Federal Credit Union | Baylands Family Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 58 |
| Capital cushion | 100 (stronger) | 46 |
| Loan quality | 75 (stronger) | 42 |
| Earnings | 44 | 54 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 81 |
| Peer percentile | 70th | 19th |
| Total assets | $76.7M | $95.0M |
| Deposits / shares | $65.0M | $85.5M |
| Capital ratio | 16.37% (stronger) | 9.62% |
| Problem loans | 0.74% (stronger) | 1.74% |
| Net charge-offs | 0.78% | 0.29% (stronger) |
| Return on assets | 0.60% | 0.86% (stronger) |
| Loans ÷ deposits | 36.5% (stronger) | 57.5% |
| Uninsured deposits | 2.2% (stronger) | 2.6% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.8% |
Kemba Roanoke Federal Credit Union has the higher TellerScore (82 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Kemba Roanoke Federal Credit Union leads on 5 and Baylands Family Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.