Side-by-side · Q2 2026 data
Locus Bank, Inc. vs Richmond Virginia Fire Police Credi Credit Union
Credit union
Richmond Virginia Fire Police Credi Credit Union
Richmond, Virginia · Under $100 million in assets
Metric by metric
| Measure | Locus Bank, Inc. | Richmond Virginia Fire Police Credi Credit Union |
|---|---|---|
| TellerScore | 79 | 88 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 79 | 82 (stronger) |
| Earnings | 70 | 74 (stronger) |
| Funding & liquidity | 37 | 90 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 75th | 85th |
| Total assets | $359.4M | $21.2M |
| Deposits / shares | $259.3M | $17.6M |
| Capital ratio | 21.46% (stronger) | 15.43% |
| Problem loans | 0.62% | 0.55% (stronger) |
| Net charge-offs | -0.01% | -0.26% (stronger) |
| Return on assets | 1.26% | 1.36% (stronger) |
| Loans ÷ deposits | 113.2% | 62.5% (stronger) |
| Uninsured deposits | 26.8% | 21.6% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Richmond Virginia Fire Police Credi Credit Union has the higher TellerScore (88 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Locus Bank, Inc. leads on 1 and Richmond Virginia Fire Police Credi Credit Union on 6. 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.