Side-by-side · Q2 2026 data
Charleston Federal Credit Union vs West Virginia Federal Credit Union
Credit union
Charleston Federal Credit Union
Charleston, West Virginia · Under $100 million in assets
Credit union
West Virginia Federal Credit Union
South Charlesto, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | Charleston Federal Credit Union | West Virginia Federal Credit Union |
|---|---|---|
| TellerScore | 88 | 88 |
| Capital cushion | 98 | 100 (stronger) |
| Loan quality | 75 | 75 |
| Earnings | 84 (stronger) | 76 |
| Funding & liquidity | 89 | 93 (stronger) |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 85th | 92nd |
| Total assets | $15.5M | $141.6M |
| Deposits / shares | $13.2M | $114.2M |
| Capital ratio | 14.81% | 18.52% (stronger) |
| Problem loans | 0.75% | 0.74% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.18% |
| Return on assets | 1.61% (stronger) | 1.40% |
| Loans ÷ deposits | 71.3% | 67.3% (stronger) |
| Uninsured deposits | 0.2% (stronger) | 3.3% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.8% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Charleston Federal Credit Union leads on 3 and West Virginia Federal Credit Union on 3. 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.