Side-by-side · Q2 2026 data
Citizens Bank of West Virginia, Inc. vs Ohio Valley Community Federal Credit Union
Credit union
Ohio Valley Community Federal Credit Union
Clarington, Ohio · $100 million – $1 billion
Metric by metric
| Measure | Citizens Bank of West Virginia, Inc. | Ohio Valley Community Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 72 |
| Capital cushion | 50 | 84 (stronger) |
| Loan quality | 81 (stronger) | 47 |
| Earnings | 98 (stronger) | 74 |
| Funding & liquidity | 69 | 79 (stronger) |
| Problem-loan coverage | 91 (stronger) | 83 |
| Peer percentile | 57th | 57th |
| Total assets | $772.5M | $243.6M |
| Deposits / shares | $678.7M | $210.3M |
| Capital ratio | 10.00% | 13.39% (stronger) |
| Problem loans | 0.58% (stronger) | 1.59% |
| Net charge-offs | 0.38% (stronger) | 0.74% |
| Return on assets | 1.95% (stronger) | 1.36% |
| Loans ÷ deposits | 89.1% | 81.0% (stronger) |
| Uninsured deposits | 16.8% | 5.8% (stronger) |
| Offices | 9 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.8% |
Citizens Bank of West Virginia, Inc. has the higher TellerScore (74 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of West Virginia, Inc. leads on 4 and Ohio Valley Community Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.