Side-by-side · Q2 2026 data
Citizens Bank of Morgantown, Inc. vs Wvu Employees Federal Credit Union
Bank
Citizens Bank of Morgantown, Inc.
Morgantown, West Virginia · Under $100 million in assets
Credit union
Wvu Employees Federal Credit Union
Morgantown, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank of Morgantown, Inc. | Wvu Employees Federal Credit Union |
|---|---|---|
| TellerScore | 87 | 97 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 97 (stronger) | 92 |
| Earnings | 65 | 100 (stronger) |
| Funding & liquidity | 67 | 91 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 84th | 98th |
| Total assets | $52.6M | $67.8M |
| Deposits / shares | $42.5M | $51.6M |
| Capital ratio | 18.79% | 22.84% (stronger) |
| Problem loans | 0.09% (stronger) | 0.23% |
| Net charge-offs | 0.00% (stronger) | 1.14% |
| Return on assets | 1.13% | 2.64% (stronger) |
| Loans ÷ deposits | 91.6% | 69.7% (stronger) |
| Uninsured deposits | 16.6% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wvu Employees Federal Credit Union has the higher TellerScore (97 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Morgantown, Inc. leads on 2 and Wvu Employees Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.