Side-by-side · Q2 2026 data
TowneBank vs Virginia Educators Credit Union
Credit union
Virginia Educators Credit Union
Newport News, Virginia · Under $100 million in assets
Metric by metric
| Measure | TowneBank | Virginia Educators Credit Union |
|---|---|---|
| TellerScore | 74 | 96 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 93 (stronger) | 86 |
| Earnings | 100 (stronger) | 97 |
| Funding & liquidity | 43 | 100 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 87th | 97th |
| Total assets | $22.6B | $76.3M |
| Deposits / shares | $18.8B | $57.3M |
| Capital ratio | 10.00% | 24.16% (stronger) |
| Problem loans | 0.22% (stronger) | 0.43% |
| Net charge-offs | 0.10% (stronger) | 0.21% |
| Return on assets | 2.17% (stronger) | 1.92% |
| Loans ÷ deposits | 81.2% | 13.0% (stronger) |
| Uninsured deposits | 48.0% | 3.4% (stronger) |
| Offices | 77 | 2 |
| CFPB complaints (3 yrs) | 39 | — |
| Complaints per $1B deposits | 2.1 | — |
| Mortgage denial rate (HMDA) | 6.6% | — |
Virginia Educators Credit Union has the higher TellerScore (96 vs 74). On the 7 directional measures above (where higher or lower is clearly better), TowneBank leads on 3 and Virginia Educators 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.