Side-by-side · Q2 2026 data
Citizens Bank of West Virginia, Inc. vs Wepco Federal Credit Union
Metric by metric
| Measure | Citizens Bank of West Virginia, Inc. | Wepco Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 86 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 81 (stronger) | 67 |
| Earnings | 98 (stronger) | 86 |
| Funding & liquidity | 69 | 84 (stronger) |
| Problem-loan coverage | 91 | 91 |
| Peer percentile | 57th | 89th |
| Total assets | $772.5M | $399.3M |
| Deposits / shares | $678.7M | $336.7M |
| Capital ratio | 10.00% | 15.46% (stronger) |
| Problem loans | 0.58% (stronger) | 0.98% |
| Net charge-offs | 0.38% (stronger) | 0.83% |
| Return on assets | 1.95% (stronger) | 1.65% |
| Loans ÷ deposits | 89.1% | 76.6% (stronger) |
| Uninsured deposits | 16.8% | 5.4% (stronger) |
| Offices | 9 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.5% |
Wepco Federal Credit Union has the higher TellerScore (86 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of West Virginia, Inc. leads on 3 and Wepco Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.