Side-by-side · Q2 2026 data
First Bank of Ohio vs West Virginia Central Federal Credit Union
Credit union
West Virginia Central Federal Credit Union
Parkersburg, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | First Bank of Ohio | West Virginia Central Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 82 |
| Loan quality | 91 (stronger) | 71 |
| Earnings | 98 (stronger) | 62 |
| Funding & liquidity | 50 | 83 (stronger) |
| Problem-loan coverage | 99 (stronger) | 91 |
| Peer percentile | 95th | 68th |
| Total assets | $278.4M | $341.3M |
| Deposits / shares | $176.2M | $295.3M |
| Capital ratio | 35.51% (stronger) | 13.23% |
| Problem loans | 0.26% (stronger) | 0.87% |
| Net charge-offs | 1.43% | 0.14% (stronger) |
| Return on assets | 1.96% (stronger) | 1.06% |
| Loans ÷ deposits | 107.4% | 77.6% (stronger) |
| Uninsured deposits | 17.3% | 4.8% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Bank of Ohio has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First Bank of Ohio leads on 4 and West Virginia Central Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.