Side-by-side · Q2 2026 data
Fairmont Federal Credit Union vs West Virginia Central Federal Credit Union
Credit union
Fairmont Federal Credit Union
Fairmont, West Virginia · $100 million – $1 billion
Credit union
West Virginia Central Federal Credit Union
Parkersburg, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | Fairmont Federal Credit Union | West Virginia Central Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 76 (stronger) |
| Capital cushion | 50 | 82 (stronger) |
| Loan quality | 77 (stronger) | 71 |
| Earnings | 54 | 62 (stronger) |
| Funding & liquidity | 90 (stronger) | 83 |
| Problem-loan coverage | 91 | 91 |
| Peer percentile | 45th | 68th |
| Total assets | $603.1M | $341.3M |
| Deposits / shares | $542.4M | $295.3M |
| Capital ratio | 9.97% | 13.23% (stronger) |
| Problem loans | 0.69% (stronger) | 0.87% |
| Net charge-offs | 0.04% (stronger) | 0.14% |
| Return on assets | 0.86% | 1.06% (stronger) |
| Loans ÷ deposits | 70.4% (stronger) | 77.6% |
| Uninsured deposits | 6.1% | 4.8% (stronger) |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Virginia Central Federal Credit Union has the higher TellerScore (76 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Fairmont Federal Credit Union leads on 3 and West Virginia Central Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.