Side-by-side · Q2 2026 data
Salem VA Medical Center Federal Credit Union vs Freedom First Federal 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 | Freedom First Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 64 |
| Capital cushion | 80 (stronger) | 59 |
| Loan quality | 95 (stronger) | 84 |
| Earnings | 49 (stronger) | 42 |
| Funding & liquidity | 84 (stronger) | 50 |
| Problem-loan coverage | 98 (stronger) | 91 |
| Peer percentile | 65th | 36th |
| Total assets | $93.5M | $1.3B |
| Deposits / shares | $77.8M | $1.0B |
| Capital ratio | 13.02% (stronger) | 10.89% |
| Problem loans | 0.16% (stronger) | 0.48% |
| Net charge-offs | 0.01% (stronger) | 0.16% |
| Return on assets | 0.71% (stronger) | 0.55% |
| Loans ÷ deposits | 76.2% (stronger) | 106.5% |
| Uninsured deposits | 1.2% (stronger) | 18.3% |
| Offices | 2 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.2% |
Salem VA Medical Center Federal Credit Union has the higher TellerScore (80 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Salem VA Medical Center Federal Credit Union leads on 7 and Freedom First Federal Credit Union on 0. 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.