Side-by-side · Q2 2026 data
The Farmers Bank of Appomattox vs Kemba Roanoke Federal Credit Union
Metric by metric
| Measure | The Farmers Bank of Appomattox | Kemba Roanoke Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 82 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 80 (stronger) | 75 |
| Earnings | 59 (stronger) | 44 |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 64th | 70th |
| Total assets | $374.6M | $76.7M |
| Deposits / shares | $313.6M | $65.0M |
| Capital ratio | 12.58% | 16.37% (stronger) |
| Problem loans | 0.59% (stronger) | 0.74% |
| Net charge-offs | 0.53% (stronger) | 0.78% |
| Return on assets | 0.98% (stronger) | 0.60% |
| Loans ÷ deposits | 82.4% | 36.5% (stronger) |
| Uninsured deposits | 8.9% | 2.2% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Kemba Roanoke Federal Credit Union has the higher TellerScore (82 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The Farmers Bank of Appomattox leads on 3 and Kemba Roanoke Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.