Side-by-side · Q2 2026 data
Salem VA Medical Center Federal Credit Union vs Baylands Family Credit Union
Credit union
Salem VA Medical Center Federal Credit Union
Salem, Virginia · Under $100 million in assets
Metric by metric
| Measure | Salem VA Medical Center Federal Credit Union | Baylands Family Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 58 |
| Capital cushion | 80 (stronger) | 46 |
| Loan quality | 95 (stronger) | 42 |
| Earnings | 49 | 54 (stronger) |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 81 |
| Peer percentile | 65th | 19th |
| Total assets | $93.5M | $95.0M |
| Deposits / shares | $77.8M | $85.5M |
| Capital ratio | 13.02% (stronger) | 9.62% |
| Problem loans | 0.16% (stronger) | 1.74% |
| Net charge-offs | 0.01% (stronger) | 0.29% |
| Return on assets | 0.71% | 0.86% (stronger) |
| Loans ÷ deposits | 76.2% | 57.5% (stronger) |
| Uninsured deposits | 1.2% (stronger) | 2.6% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.8% |
Salem VA Medical Center Federal Credit Union has the higher TellerScore (80 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Salem VA Medical Center 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.