Side-by-side · Q2 2026 data
Citizens Bank of West Virginia, Inc. vs Natrium Employees Federal Credit Union
Credit union
Natrium Employees Federal Credit Union
Proctor, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank of West Virginia, Inc. | Natrium Employees Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 83 (stronger) |
| Capital cushion | 50 | 74 (stronger) |
| Loan quality | 81 (stronger) | 74 |
| Earnings | 98 | 100 (stronger) |
| Funding & liquidity | 69 | 90 (stronger) |
| Problem-loan coverage | 91 | 92 (stronger) |
| Peer percentile | 57th | 72nd |
| Total assets | $772.5M | $12.0M |
| Deposits / shares | $678.7M | $10.5M |
| Capital ratio | 10.00% | 12.41% (stronger) |
| Problem loans | 0.58% (stronger) | 0.78% |
| Net charge-offs | 0.38% | 0.01% (stronger) |
| Return on assets | 1.95% | 2.24% (stronger) |
| Loans ÷ deposits | 89.1% | 69.8% (stronger) |
| Uninsured deposits | 16.8% | 0.0% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Natrium Employees Federal Credit Union has the higher TellerScore (83 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of West Virginia, Inc. leads on 1 and Natrium Employees Federal Credit Union on 6. 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.