Side-by-side · Q2 2026 data
Locus Bank, Inc. vs 1st Advantage Federal Credit Union
Credit union
1st Advantage Federal Credit Union
Newport News, Virginia · $1 billion – $10 billion
Metric by metric
| Measure | Locus Bank, Inc. | 1st Advantage Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 79 | 85 (stronger) |
| Earnings | 70 | 92 (stronger) |
| Funding & liquidity | 37 | 72 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 75th | 98th |
| Total assets | $359.4M | $1.1B |
| Deposits / shares | $259.3M | $895.7M |
| Capital ratio | 21.46% (stronger) | 16.66% |
| Problem loans | 0.62% | 0.45% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.39% |
| Return on assets | 1.26% | 1.81% (stronger) |
| Loans ÷ deposits | 113.2% | 87.8% (stronger) |
| Uninsured deposits | 26.8% | 4.8% (stronger) |
| Offices | 2 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.0% |
1st Advantage Federal Credit Union has the higher TellerScore (90 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Locus Bank, Inc. leads on 2 and 1st Advantage Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.