Side-by-side · Q2 2026 data
Celco Community Federal Credit Union vs McDowell County Federal Credit Union
Credit union
Celco Community Federal Credit Union
Narrows, Virginia · $100 million – $1 billion
Credit union
McDowell County Federal Credit Union
Welch, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Celco Community Federal Credit Union | McDowell County Federal Credit Union |
|---|---|---|
| TellerScore | 85 | 88 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 56 | 100 (stronger) |
| Earnings | 85 (stronger) | 40 |
| Funding & liquidity | 95 | 100 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 87th | 85th |
| Total assets | $143.9M | $68K |
| Deposits / shares | $113.2M | $52K |
| Capital ratio | 20.92% | 23.60% (stronger) |
| Problem loans | 1.33% | 0.00% (stronger) |
| Net charge-offs | 0.15% | 0.00% (stronger) |
| Return on assets | 1.62% (stronger) | 0.50% |
| Loans ÷ deposits | 65.3% | 12.9% (stronger) |
| Uninsured deposits | 5.3% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.1% | — |
McDowell County Federal Credit Union has the higher TellerScore (88 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Celco Community Federal Credit Union leads on 1 and McDowell County 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.