Side-by-side · Q2 2026 data
Vantage Point Federal Credit Union vs Newport News Mun. Emp Credit Union
Credit union
Vantage Point Federal Credit Union
Hopewell, Virginia · Under $100 million in assets
Credit union
Newport News Mun. Emp Credit Union
Newport News, Virginia · Under $100 million in assets
Metric by metric
| Measure | Vantage Point Federal Credit Union | Newport News Mun. Emp Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 27 | 45 (stronger) |
| Earnings | 50 | 68 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 90 (stronger) | 86 |
| Peer percentile | 42nd | 28th |
| Total assets | $45.0M | $54.4M |
| Deposits / shares | $37.2M | $49.2M |
| Capital ratio | 16.68% (stronger) | 10.27% |
| Problem loans | 2.20% | 1.64% (stronger) |
| Net charge-offs | 0.71% (stronger) | 1.24% |
| Return on assets | 0.76% | 1.21% (stronger) |
| Loans ÷ deposits | 41.8% (stronger) | 48.3% |
| Uninsured deposits | 5.0% | 3.9% (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 64). On the 7 directional measures above (where higher or lower is clearly better), Vantage Point Federal Credit Union leads on 4 and Newport News Mun. Emp Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.