Side-by-side · Q2 2026 data
TowneBank vs 1st Advantage Federal Credit Union
Credit union
1st Advantage Federal Credit Union
Newport News, Virginia · $1 billion – $10 billion
Metric by metric
| Measure | TowneBank | 1st Advantage Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 90 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 93 (stronger) | 85 |
| Earnings | 100 (stronger) | 92 |
| Funding & liquidity | 43 | 72 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 87th | 98th |
| Total assets | $22.6B | $1.1B |
| Deposits / shares | $18.8B | $895.7M |
| Capital ratio | 10.00% | 16.66% (stronger) |
| Problem loans | 0.22% (stronger) | 0.45% |
| Net charge-offs | 0.10% (stronger) | 0.39% |
| Return on assets | 2.17% (stronger) | 1.81% |
| Loans ÷ deposits | 81.2% (stronger) | 87.8% |
| Uninsured deposits | 48.0% | 4.8% (stronger) |
| Offices | 77 | 11 |
| CFPB complaints (3 yrs) | 39 | — |
| Complaints per $1B deposits | 2.1 | — |
| Mortgage denial rate (HMDA) | 6.6% | 28.0% |
1st Advantage Federal Credit Union has the higher TellerScore (90 vs 74). On the 7 directional measures above (where higher or lower is clearly better), TowneBank leads on 4 and 1st Advantage Federal Credit Union on 3. 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.