Side-by-side · Q2 2026 data
Locus Bank, Inc. vs Credit Union of Richmond Incorporat
Credit union
Credit Union of Richmond Incorporat
Richmond, Virginia · Under $100 million in assets
Metric by metric
| Measure | Locus Bank, Inc. | Credit Union of Richmond Incorporat |
|---|---|---|
| TellerScore | 79 | 87 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 79 (stronger) | 77 |
| Earnings | 70 (stronger) | 65 |
| Funding & liquidity | 37 | 100 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 75th | 83rd |
| Total assets | $359.4M | $64.6M |
| Deposits / shares | $259.3M | $53.7M |
| Capital ratio | 21.46% (stronger) | 18.48% |
| Problem loans | 0.62% (stronger) | 0.69% |
| Net charge-offs | -0.01% (stronger) | 0.19% |
| Return on assets | 1.26% (stronger) | 1.13% |
| Loans ÷ deposits | 113.2% | 32.0% (stronger) |
| Uninsured deposits | 26.8% | 7.4% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Credit Union of Richmond Incorporat has the higher TellerScore (87 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Locus Bank, Inc. leads on 4 and Credit Union of Richmond Incorporat 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.