Side-by-side · Q2 2026 data
Kemba Roanoke Federal Credit Union vs Poly Scientific Employees Federal Credit Union
Credit union
Poly Scientific Employees Federal Credit Union
Blacksburg, Virginia · Under $100 million in assets
Metric by metric
| Measure | Kemba Roanoke Federal Credit Union | Poly Scientific Employees Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 60 |
| Capital cushion | 100 | 100 |
| Loan quality | 75 (stronger) | 0 |
| Earnings | 44 (stronger) | 38 |
| Funding & liquidity | 100 (stronger) | 98 |
| Problem-loan coverage | 97 (stronger) | 81 |
| Peer percentile | 70th | 22nd |
| Total assets | $76.7M | $5.5M |
| Deposits / shares | $65.0M | $4.0M |
| Capital ratio | 16.37% | 26.26% (stronger) |
| Problem loans | 0.74% (stronger) | 5.56% |
| Net charge-offs | 0.78% | 0.49% (stronger) |
| Return on assets | 0.60% (stronger) | 0.44% |
| Loans ÷ deposits | 36.5% (stronger) | 62.5% |
| Uninsured deposits | 2.2% | 0.0% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Kemba Roanoke Federal Credit Union has the higher TellerScore (82 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Kemba Roanoke Federal Credit Union leads on 4 and Poly Scientific Employees Federal Credit Union on 3. 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.