Side-by-side · Q2 2026 data
Charleston Federal Credit Union vs Alloy Federal Credit Union
Credit union
Charleston Federal Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Charleston Federal Credit Union | Alloy Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 71 |
| Capital cushion | 98 (stronger) | 97 |
| Loan quality | 75 (stronger) | 39 |
| Earnings | 84 (stronger) | 55 |
| Funding & liquidity | 89 (stronger) | 85 |
| Problem-loan coverage | 94 (stronger) | 84 |
| Peer percentile | 85th | 42nd |
| Total assets | $15.5M | $29.6M |
| Deposits / shares | $13.2M | $25.2M |
| Capital ratio | 14.81% (stronger) | 14.73% |
| Problem loans | 0.75% (stronger) | 1.83% |
| Net charge-offs | 0.10% (stronger) | 0.75% |
| Return on assets | 1.61% (stronger) | 0.86% |
| Loans ÷ deposits | 71.3% (stronger) | 75.1% |
| Uninsured deposits | 0.2% (stronger) | 4.8% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Charleston Federal Credit Union has the higher TellerScore (88 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Charleston Federal Credit Union leads on 7 and Alloy Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.