Side-by-side · Q2 2026 data
Bank of the West vs The State Credit Union
Credit union
The State Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Bank of the West | The State Credit Union |
|---|---|---|
| TellerScore | 74 | 90 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 84 (stronger) | 71 |
| Funding & liquidity | 52 | 89 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 57th | 89th |
| Total assets | $829.8M | $95.3M |
| Deposits / shares | $747.1M | $75.7M |
| Capital ratio | 9.66% | 19.12% (stronger) |
| Problem loans | 0.00% (stronger) | 0.25% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.60% (stronger) | 1.26% |
| Loans ÷ deposits | 66.7% (stronger) | 71.2% |
| Uninsured deposits | 52.5% | 1.9% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
The State Credit Union has the higher TellerScore (90 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Bank of the West leads on 3 and The State 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.