Side-by-side · Q2 2026 data
Uwharrie Bank vs Allvac Savings and Credit Union
Credit union
Allvac Savings and Credit Union
Monroe, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Uwharrie Bank | Allvac Savings and Credit Union |
|---|---|---|
| TellerScore | 74 | 90 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 96 | 97 (stronger) |
| Earnings | 70 (stronger) | 63 |
| Funding & liquidity | 69 | 91 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 74th | 89th |
| Total assets | $1.2B | $9.5M |
| Deposits / shares | $1.1B | $7.8M |
| Capital ratio | 10.07% | 17.59% (stronger) |
| Problem loans | 0.11% | 0.09% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.39% |
| Return on assets | 1.26% (stronger) | 1.07% |
| Loans ÷ deposits | 63.0% (stronger) | 68.9% |
| Uninsured deposits | 40.1% | 8.5% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | — |
Allvac Savings and Credit Union has the higher TellerScore (90 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Uwharrie Bank leads on 3 and Allvac Savings and 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.