Side-by-side · Q2 2026 data
Lee Bank and Trust Company vs Bristol VA School System Federal Credit Union
Credit union
Bristol VA School System Federal Credit Union
Bristol, Virginia · Under $100 million in assets
Metric by metric
| Measure | Lee Bank and Trust Company | Bristol VA School System Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 53 |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 54 (stronger) | 0 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 90 (stronger) | 83 |
| Peer percentile | 82nd | 12th |
| Total assets | $257.3M | $210K |
| Deposits / shares | $218.3M | $167K |
| Capital ratio | 14.11% | 20.47% (stronger) |
| Problem loans | 1.37% (stronger) | 8.82% |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 3.40% (stronger) | -1.75% |
| Loans ÷ deposits | 58.2% | 24.4% (stronger) |
| Uninsured deposits | 29.6% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.5% | — |
Lee Bank and Trust Company has the higher TellerScore (82 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Lee Bank and Trust Company leads on 3 and Bristol VA School System Federal Credit Union on 4. 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.