Side-by-side · Q2 2026 data
The Bank of Charlotte County vs Glamorgan Employees Federal Credit Union
Credit union
Glamorgan Employees Federal Credit Union
Lynchburg, Virginia · Under $100 million in assets
Metric by metric
| Measure | The Bank of Charlotte County | Glamorgan Employees Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 50 |
| Capital cushion | 78 | 100 (stronger) |
| Loan quality | 89 (stronger) | 0 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 49 |
| Peer percentile | 91st | 9th |
| Total assets | $222.8M | $2.0M |
| Deposits / shares | $194.5M | $1.5M |
| Capital ratio | 12.79% | 23.00% (stronger) |
| Problem loans | 0.33% (stronger) | 17.09% |
| Net charge-offs | 0.13% | -0.04% (stronger) |
| Return on assets | 3.44% (stronger) | -2.91% |
| Loans ÷ deposits | 71.3% | 47.5% (stronger) |
| Uninsured deposits | 22.1% | 0.0% (stronger) |
| Offices | 6 | 2 |
| 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 50). On the 7 directional measures above (where higher or lower is clearly better), The Bank of Charlotte County leads on 3 and Glamorgan Employees Federal Credit Union on 4. 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.