Side-by-side · Q2 2026 data
The Bank of Charlotte County vs Central Virginia Federal Credit Union
Credit union
Central Virginia Federal Credit Union
Lynchburg, Virginia · $100 million – $1 billion
Metric by metric
| Measure | The Bank of Charlotte County | Central Virginia Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 72 |
| Capital cushion | 78 (stronger) | 77 |
| Loan quality | 89 (stronger) | 47 |
| Earnings | 100 (stronger) | 75 |
| Funding & liquidity | 81 | 92 (stronger) |
| Problem-loan coverage | 96 (stronger) | 85 |
| Peer percentile | 91st | 57th |
| Total assets | $222.8M | $197.8M |
| Deposits / shares | $194.5M | $171.2M |
| Capital ratio | 12.79% (stronger) | 12.70% |
| Problem loans | 0.33% (stronger) | 1.59% |
| Net charge-offs | 0.13% (stronger) | 0.35% |
| Return on assets | 3.44% (stronger) | 1.38% |
| Loans ÷ deposits | 71.3% | 68.5% (stronger) |
| Uninsured deposits | 22.1% | 2.3% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.4% | — |
The Bank of Charlotte County has the higher TellerScore (87 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Bank of Charlotte County leads on 5 and Central Virginia Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.