Side-by-side · Q2 2026 data
TowneBank vs Beach Municipal Federal Credit Union
Credit union
Beach Municipal Federal Credit Union
Virginia Beach, Virginia · $100 million – $1 billion
Metric by metric
| Measure | TowneBank | Beach Municipal Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 87 (stronger) |
| Capital cushion | 50 | 91 (stronger) |
| Loan quality | 93 (stronger) | 74 |
| Earnings | 100 (stronger) | 84 |
| Funding & liquidity | 43 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 87th | 91st |
| Total assets | $22.6B | $194.7M |
| Deposits / shares | $18.8B | $167.6M |
| Capital ratio | 10.00% | 14.13% (stronger) |
| Problem loans | 0.22% (stronger) | 0.78% |
| Net charge-offs | 0.10% (stronger) | 0.15% |
| Return on assets | 2.17% (stronger) | 1.60% |
| Loans ÷ deposits | 81.2% | 56.3% (stronger) |
| Uninsured deposits | 48.0% | 10.7% (stronger) |
| Offices | 77 | 2 |
| CFPB complaints (3 yrs) | 39 | — |
| Complaints per $1B deposits | 2.1 | — |
| Mortgage denial rate (HMDA) | 6.6% | 4.3% |
Beach Municipal Federal Credit Union has the higher TellerScore (87 vs 74). On the 7 directional measures above (where higher or lower is clearly better), TowneBank leads on 3 and Beach Municipal 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.