Side-by-side · Q2 2026 data
Citizens Bank of Morgantown, Inc. vs City of Fairmont Federal Credit Union
Bank
Citizens Bank of Morgantown, Inc.
Morgantown, West Virginia · Under $100 million in assets
Credit union
City of Fairmont Federal Credit Union
Fairmont, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank of Morgantown, Inc. | City of Fairmont Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 48 |
| Capital cushion | 100 (stronger) | 59 |
| Loan quality | 97 (stronger) | 0 |
| Earnings | 65 | 79 (stronger) |
| Funding & liquidity | 67 | 87 (stronger) |
| Problem-loan coverage | 99 (stronger) | 16 |
| Peer percentile | 84th | 7th |
| Total assets | $52.6M | $1.4M |
| Deposits / shares | $42.5M | $1.2M |
| Capital ratio | 18.79% (stronger) | 10.86% |
| Problem loans | 0.09% (stronger) | 9.25% |
| Net charge-offs | 0.00% | -2.20% (stronger) |
| Return on assets | 1.13% | 1.46% (stronger) |
| Loans ÷ deposits | 91.6% | 73.0% (stronger) |
| Uninsured deposits | 16.6% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank of Morgantown, Inc. has the higher TellerScore (87 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Morgantown, Inc. leads on 3 and City of Fairmont Federal 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.