Side-by-side · Q2 2026 data
State Department Federal Credit Union vs University of VA Community Credit Union
Credit union
State Department Federal Credit Union
Alexandria, Virginia · $1 billion – $10 billion
Credit union
University of VA Community Credit Union
Charlottesville, Virginia · $1 billion – $10 billion
Metric by metric
| Measure | State Department Federal Credit Union | University of VA Community Credit Union |
|---|---|---|
| TellerScore | 65 | 69 (stronger) |
| Capital cushion | 58 (stronger) | 54 |
| Loan quality | 71 | 81 (stronger) |
| Earnings | 40 | 51 (stronger) |
| Funding & liquidity | 87 | 88 (stronger) |
| Problem-loan coverage | 91 | 92 (stronger) |
| Peer percentile | 41st | 54th |
| Total assets | $2.9B | $1.6B |
| Deposits / shares | $2.4B | $1.4B |
| Capital ratio | 10.78% (stronger) | 10.44% |
| Problem loans | 0.86% | 0.57% (stronger) |
| Net charge-offs | 0.61% | 0.44% (stronger) |
| Return on assets | 0.49% | 0.77% (stronger) |
| Loans ÷ deposits | 65.5% (stronger) | 72.5% |
| Uninsured deposits | 22.2% | 6.8% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.1% | — |
University of VA Community Credit Union has the higher TellerScore (69 vs 65). On the 7 directional measures above (where higher or lower is clearly better), State Department Federal Credit Union leads on 2 and University of VA Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.