Side-by-side · Q2 2026 data
Northern State Bank of Virginia vs Virginia Coop Credit Union
Metric by metric
| Measure | Northern State Bank of Virginia | Virginia Coop Credit Union |
|---|---|---|
| TellerScore | 75 | 78 (stronger) |
| Capital cushion | 52 | 66 (stronger) |
| Loan quality | 100 (stronger) | 71 |
| Earnings | 66 | 79 (stronger) |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 61st | 59th |
| Total assets | $102.0M | $45.7M |
| Deposits / shares | $91.2M | $40.6M |
| Capital ratio | 10.17% | 11.55% (stronger) |
| Problem loans | 0.00% (stronger) | 0.86% |
| Net charge-offs | 0.15% (stronger) | 0.18% |
| Return on assets | 1.15% | 1.48% (stronger) |
| Loans ÷ deposits | 79.2% | 56.5% (stronger) |
| Uninsured deposits | 21.5% | 3.3% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Virginia Coop Credit Union has the higher TellerScore (78 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Northern State Bank of Virginia leads on 2 and Virginia Coop Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.