Side-by-side · Q2 2026 data
State Department Federal Credit Union vs Virginia Federal Credit Union
Credit union
State Department Federal Credit Union
Alexandria, Virginia · $1 billion – $10 billion
Metric by metric
| Measure | State Department Federal Credit Union | Virginia Federal Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 61 |
| Capital cushion | 58 | 59 (stronger) |
| Loan quality | 71 (stronger) | 65 |
| Earnings | 40 (stronger) | 35 |
| Funding & liquidity | 87 (stronger) | 77 |
| Problem-loan coverage | 91 (stronger) | 86 |
| Peer percentile | 41st | 27th |
| Total assets | $2.9B | $7.4B |
| Deposits / shares | $2.4B | $6.4B |
| Capital ratio | 10.78% | 10.90% (stronger) |
| Problem loans | 0.86% (stronger) | 1.05% |
| Net charge-offs | 0.61% (stronger) | 0.73% |
| Return on assets | 0.49% (stronger) | 0.38% |
| Loans ÷ deposits | 65.5% (stronger) | 83.5% |
| Uninsured deposits | 22.2% | 5.2% (stronger) |
| Offices | 6 | 38 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.1% | — |
State Department Federal Credit Union has the higher TellerScore (65 vs 61). On the 7 directional measures above (where higher or lower is clearly better), State Department Federal Credit Union leads on 5 and Virginia Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.