Side-by-side · Q2 2026 data
Clear Mountain Bank vs U S Employees Federal Credit Union
Credit union
U S Employees Federal Credit Union
Fairmont, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Clear Mountain Bank | U S Employees Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 32 |
| Capital cushion | 81 (stronger) | 27 |
| Loan quality | 90 (stronger) | 2 |
| Earnings | 86 (stronger) | 0 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 88 |
| Peer percentile | 94th | 1st |
| Total assets | $1.0B | $526K |
| Deposits / shares | $887.5M | $484K |
| Capital ratio | 13.08% (stronger) | 7.73% |
| Problem loans | 0.30% (stronger) | 2.94% |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 1.65% (stronger) | -4.00% |
| Loans ÷ deposits | 84.9% | 23.6% (stronger) |
| Uninsured deposits | 26.5% | 0.0% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.8% | — |
Clear Mountain Bank has the higher TellerScore (83 vs 32). On the 7 directional measures above (where higher or lower is clearly better), Clear Mountain Bank leads on 4 and U S Employees Federal Credit Union on 3. 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.