Side-by-side · Q2 2026 data
Element Federal Credit Union vs The State Credit Union
Credit union
Element Federal Credit Union
Charleston, West Virginia · Under $100 million in assets
Credit union
The State Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Element Federal Credit Union | The State Credit Union |
|---|---|---|
| TellerScore | 76 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 54 | 92 (stronger) |
| Earnings | 56 | 71 (stronger) |
| Funding & liquidity | 82 | 89 (stronger) |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 54th | 89th |
| Total assets | $47.3M | $95.3M |
| Deposits / shares | $36.6M | $75.7M |
| Capital ratio | 21.80% (stronger) | 19.12% |
| Problem loans | 1.38% | 0.25% (stronger) |
| Net charge-offs | 0.42% | -0.00% (stronger) |
| Return on assets | 0.90% | 1.26% (stronger) |
| Loans ÷ deposits | 78.1% | 71.2% (stronger) |
| Uninsured deposits | 4.1% | 1.9% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
The State Credit Union has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Element Federal Credit Union leads on 1 and The State Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.