Side-by-side · Q2 2026 data
VA Beach Postal Federal Credit Union vs Beach Municipal Federal Credit Union
Credit union
VA Beach Postal Federal Credit Union
Virginia Beach, Virginia · Under $100 million in assets
Credit union
Beach Municipal Federal Credit Union
Virginia Beach, Virginia · $100 million – $1 billion
Metric by metric
| Measure | VA Beach Postal Federal Credit Union | Beach Municipal Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 87 (stronger) |
| Capital cushion | 80 | 91 (stronger) |
| Loan quality | 83 (stronger) | 74 |
| Earnings | 51 | 84 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 65th | 91st |
| Total assets | $10.0M | $194.7M |
| Deposits / shares | $8.7M | $167.6M |
| Capital ratio | 13.04% | 14.13% (stronger) |
| Problem loans | 0.50% (stronger) | 0.78% |
| Net charge-offs | 0.69% | 0.15% (stronger) |
| Return on assets | 0.78% | 1.60% (stronger) |
| Loans ÷ deposits | 53.1% (stronger) | 56.3% |
| Uninsured deposits | 1.5% (stronger) | 10.7% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.3% |
Beach Municipal Federal Credit Union has the higher TellerScore (87 vs 80). On the 7 directional measures above (where higher or lower is clearly better), VA Beach Postal Federal Credit Union 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.