Side-by-side · Q2 2026 data
Rva Financial Federal Credit Union vs Baylands Family Credit Union
Credit union
Rva Financial Federal Credit Union
Richmond, Virginia · Under $100 million in assets
Metric by metric
| Measure | Rva Financial Federal Credit Union | Baylands Family Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 58 |
| Capital cushion | 72 (stronger) | 46 |
| Loan quality | 53 (stronger) | 42 |
| Earnings | 100 (stronger) | 54 |
| Funding & liquidity | 86 | 100 (stronger) |
| Problem-loan coverage | 85 (stronger) | 81 |
| Peer percentile | 54th | 19th |
| Total assets | $82.7M | $95.0M |
| Deposits / shares | $73.1M | $85.5M |
| Capital ratio | 12.18% (stronger) | 9.62% |
| Problem loans | 1.42% (stronger) | 1.74% |
| Net charge-offs | -0.10% (stronger) | 0.29% |
| Return on assets | 2.27% (stronger) | 0.86% |
| Loans ÷ deposits | 73.9% | 57.5% (stronger) |
| Uninsured deposits | 5.4% | 2.6% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.8% |
Rva Financial Federal Credit Union has the higher TellerScore (76 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Rva Financial Federal Credit Union leads on 5 and Baylands Family Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.