Side-by-side · Q2 2026 data
Virginia Federal Credit Union vs Bayport Federal Credit Union
Metric by metric
| Measure | Virginia Federal Credit Union | Bayport Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 69 (stronger) |
| Capital cushion | 59 | 63 (stronger) |
| Loan quality | 65 | 76 (stronger) |
| Earnings | 35 | 64 (stronger) |
| Funding & liquidity | 77 (stronger) | 66 |
| Problem-loan coverage | 86 | 88 (stronger) |
| Peer percentile | 27th | 54th |
| Total assets | $7.4B | $2.8B |
| Deposits / shares | $6.4B | $2.4B |
| Capital ratio | 10.90% | 11.33% (stronger) |
| Problem loans | 1.05% | 0.71% (stronger) |
| Net charge-offs | 0.73% (stronger) | 1.00% |
| Return on assets | 0.38% | 1.09% (stronger) |
| Loans ÷ deposits | 83.5% (stronger) | 94.0% |
| Uninsured deposits | 5.2% (stronger) | 12.1% |
| Offices | 38 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bayport Federal Credit Union has the higher TellerScore (69 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Virginia Federal Credit Union leads on 3 and Bayport Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.