Side-by-side · Q2 2026 data
Poly Scientific Employees Federal Credit Union vs Yogaville Federal Credit Union
Credit union
Poly Scientific Employees Federal Credit Union
Blacksburg, Virginia · Under $100 million in assets
Credit union
Yogaville Federal Credit Union
Buckingham, Virginia · Under $100 million in assets
Metric by metric
| Measure | Poly Scientific Employees Federal Credit Union | Yogaville Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 67 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 49 (stronger) |
| Earnings | 38 | 42 (stronger) |
| Funding & liquidity | 98 (stronger) | 43 |
| Problem-loan coverage | 81 | 95 (stronger) |
| Peer percentile | 22nd | 34th |
| Total assets | $5.5M | $3.9M |
| Deposits / shares | $4.0M | $2.6M |
| Capital ratio | 26.26% | 32.34% (stronger) |
| Problem loans | 5.56% | 1.54% (stronger) |
| Net charge-offs | 0.49% | 0.00% (stronger) |
| Return on assets | 0.44% | 0.55% (stronger) |
| Loans ÷ deposits | 62.5% (stronger) | 83.7% |
| Uninsured deposits | 0.0% (stronger) | 45.3% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Yogaville Federal Credit Union has the higher TellerScore (67 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Poly Scientific Employees Federal Credit Union leads on 2 and Yogaville Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.