Side-by-side · Q2 2026 data
Locus Bank, Inc. vs First Nrv Federal Credit Union
Credit union
First Nrv Federal Credit Union
Radford, Virginia · Under $100 million in assets
Metric by metric
| Measure | Locus Bank, Inc. | First Nrv Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 52 |
| Capital cushion | 100 (stronger) | 43 |
| Loan quality | 79 (stronger) | 30 |
| Earnings | 70 (stronger) | 46 |
| Funding & liquidity | 37 | 98 (stronger) |
| Problem-loan coverage | 95 (stronger) | 75 |
| Peer percentile | 75th | 11th |
| Total assets | $359.4M | $38.7M |
| Deposits / shares | $259.3M | $35.0M |
| Capital ratio | 21.46% (stronger) | 9.27% |
| Problem loans | 0.62% (stronger) | 2.09% |
| Net charge-offs | -0.01% (stronger) | 1.26% |
| Return on assets | 1.26% (stronger) | 0.64% |
| Loans ÷ deposits | 113.2% | 62.3% (stronger) |
| Uninsured deposits | 26.8% | 1.3% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Locus Bank, Inc. has the higher TellerScore (79 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Locus Bank, Inc. leads on 5 and First Nrv Federal Credit Union on 2. 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.