Side-by-side · Q2 2026 data
Vantage Point Federal Credit Union vs Hampton Roads Educ Credit Union Inc
Credit union
Vantage Point Federal Credit Union
Hopewell, Virginia · Under $100 million in assets
Credit union
Hampton Roads Educ Credit Union Inc
Hampton, Virginia · Under $100 million in assets
Metric by metric
| Measure | Vantage Point Federal Credit Union | Hampton Roads Educ Credit Union Inc |
|---|---|---|
| TellerScore | 71 (stronger) | 58 |
| Capital cushion | 100 (stronger) | 34 |
| Loan quality | 27 | 67 (stronger) |
| Earnings | 50 (stronger) | 36 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 90 | 92 (stronger) |
| Peer percentile | 42nd | 19th |
| Total assets | $45.0M | $46.9M |
| Deposits / shares | $37.2M | $42.0M |
| Capital ratio | 16.68% (stronger) | 8.41% |
| Problem loans | 2.20% | 1.00% (stronger) |
| Net charge-offs | 0.71% (stronger) | 1.12% |
| Return on assets | 0.76% (stronger) | 0.39% |
| Loans ÷ deposits | 41.8% | 39.9% (stronger) |
| Uninsured deposits | 5.0% | 1.2% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vantage Point Federal Credit Union has the higher TellerScore (71 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Vantage Point Federal Credit Union leads on 4 and Hampton Roads Educ Credit Union Inc on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.