Side-by-side · Q2 2026 data
Varo Bank, National Association vs Norfolk Fire Department Federal Credit Union
Credit union
Norfolk Fire Department Federal Credit Union
Norfolk, Virginia · Under $100 million in assets
Metric by metric
| Measure | Varo Bank, National Association | Norfolk Fire Department Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 93 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 86 | 86 |
| Earnings | 0 | 82 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 64th | 94th |
| Total assets | $337.8M | $26.8M |
| Deposits / shares | $209.8M | $21.4M |
| Capital ratio | 18.46% | 20.12% (stronger) |
| Problem loans | 0.42% | 0.41% (stronger) |
| Net charge-offs | 29.60% | 0.25% (stronger) |
| Return on assets | -25.68% | 1.55% (stronger) |
| Loans ÷ deposits | 41.6% | 30.4% (stronger) |
| Uninsured deposits | 1.7% (stronger) | 3.2% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Norfolk Fire Department Federal Credit Union has the higher TellerScore (93 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Varo Bank, National Association leads on 1 and Norfolk Fire Department Federal Credit Union on 6. 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.