Side-by-side · Q2 2026 data
Cheney Federal Credit Union vs White River Credit Union
Metric by metric
| Measure | Cheney Federal Credit Union | White River Credit Union |
|---|---|---|
| TellerScore | 69 | 82 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 82 (stronger) | 66 |
| Earnings | 44 | 59 (stronger) |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 48th | 82nd |
| Total assets | $147.9M | $114.2M |
| Deposits / shares | $131.8M | $94.4M |
| Capital ratio | 10.01% | 17.29% (stronger) |
| Problem loans | 0.55% (stronger) | 1.01% |
| Net charge-offs | 0.07% (stronger) | 1.84% |
| Return on assets | 0.60% | 0.99% (stronger) |
| Loans ÷ deposits | 57.6% (stronger) | 65.6% |
| Uninsured deposits | 5.4% | 3.3% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
White River Credit Union has the higher TellerScore (82 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Cheney Federal Credit Union leads on 3 and White River Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.