Side-by-side · Q2 2026 data
Citizens Bank of Morgantown, Inc. vs U S Employees Federal Credit Union
Bank
Citizens Bank of Morgantown, Inc.
Morgantown, West Virginia · Under $100 million in assets
Credit union
U S Employees Federal Credit Union
Fairmont, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank of Morgantown, Inc. | U S Employees Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 32 |
| Capital cushion | 100 (stronger) | 27 |
| Loan quality | 97 (stronger) | 2 |
| Earnings | 65 (stronger) | 0 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 88 |
| Peer percentile | 84th | 1st |
| Total assets | $52.6M | $526K |
| Deposits / shares | $42.5M | $484K |
| Capital ratio | 18.79% (stronger) | 7.73% |
| Problem loans | 0.09% (stronger) | 2.94% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.13% (stronger) | -4.00% |
| Loans ÷ deposits | 91.6% | 23.6% (stronger) |
| Uninsured deposits | 16.6% | 0.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank of Morgantown, Inc. has the higher TellerScore (87 vs 32). On the 6 directional measures above (where higher or lower is clearly better), Citizens Bank of Morgantown, Inc. leads on 4 and U S Employees Federal Credit Union on 2. 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.