Side-by-side · Q2 2026 data
Northern State Bank vs Virginia Coop Credit Union
Metric by metric
| Measure | Northern State Bank | Virginia Coop Credit Union |
|---|---|---|
| TellerScore | 78 | 78 |
| Capital cushion | 49 | 66 (stronger) |
| Loan quality | 93 (stronger) | 71 |
| Earnings | 86 (stronger) | 79 |
| Funding & liquidity | 89 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 72nd | 59th |
| Total assets | $330.8M | $45.7M |
| Deposits / shares | $297.1M | $40.6M |
| Capital ratio | 9.92% | 11.55% (stronger) |
| Problem loans | 0.22% (stronger) | 0.86% |
| Net charge-offs | -0.00% (stronger) | 0.18% |
| Return on assets | 1.66% (stronger) | 1.48% |
| Loans ÷ deposits | 52.1% (stronger) | 56.5% |
| Uninsured deposits | 25.1% | 3.3% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Northern State Bank leads on 4 and Virginia Coop 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.