Side-by-side · Q2 2026 data
Summit Hampton Roads Federal Credit Union vs Beach Municipal Federal Credit Union
Credit union
Summit Hampton Roads Federal Credit Union
Norfolk, Virginia · Under $100 million in assets
Credit union
Beach Municipal Federal Credit Union
Virginia Beach, Virginia · $100 million – $1 billion
Metric by metric
| Measure | Summit Hampton Roads Federal Credit Union | Beach Municipal Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 87 (stronger) |
| Capital cushion | 93 (stronger) | 91 |
| Loan quality | 4 | 74 (stronger) |
| Earnings | 0 | 84 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 80 | 95 (stronger) |
| Peer percentile | 11th | 91st |
| Total assets | $8.2M | $194.7M |
| Deposits / shares | $7.1M | $167.6M |
| Capital ratio | 14.27% (stronger) | 14.13% |
| Problem loans | 2.89% | 0.78% (stronger) |
| Net charge-offs | 1.27% | 0.15% (stronger) |
| Return on assets | -1.19% | 1.60% (stronger) |
| Loans ÷ deposits | 60.6% | 56.3% (stronger) |
| Uninsured deposits | 5.9% (stronger) | 10.7% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.3% |
Beach Municipal Federal Credit Union has the higher TellerScore (87 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Summit Hampton Roads Federal Credit Union leads on 2 and Beach Municipal Federal Credit Union on 5. 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.