Side-by-side · Q2 2026 data
The Farmers Bank of Appomattox vs Central Virginia Federal Credit Union
Credit union
Central Virginia Federal Credit Union
Lynchburg, Virginia · $100 million – $1 billion
Metric by metric
| Measure | The Farmers Bank of Appomattox | Central Virginia Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 72 |
| Capital cushion | 76 | 77 (stronger) |
| Loan quality | 80 (stronger) | 47 |
| Earnings | 59 | 75 (stronger) |
| Funding & liquidity | 78 | 92 (stronger) |
| Problem-loan coverage | 93 (stronger) | 85 |
| Peer percentile | 64th | 57th |
| Total assets | $374.6M | $197.8M |
| Deposits / shares | $313.6M | $171.2M |
| Capital ratio | 12.58% | 12.70% (stronger) |
| Problem loans | 0.59% (stronger) | 1.59% |
| Net charge-offs | 0.53% | 0.35% (stronger) |
| Return on assets | 0.98% | 1.38% (stronger) |
| Loans ÷ deposits | 82.4% | 68.5% (stronger) |
| Uninsured deposits | 8.9% | 2.3% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Farmers Bank of Appomattox has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Farmers Bank of Appomattox leads on 2 and Central Virginia Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.