Side-by-side · Q2 2026 data
First Exchange Bank vs Wvu Employees Federal Credit Union
Credit union
Wvu Employees Federal Credit Union
Morgantown, West Virginia · Under $100 million in assets
Metric by metric
| Measure | First Exchange Bank | Wvu Employees Federal Credit Union |
|---|---|---|
| TellerScore | 49 | 97 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 30 | 92 (stronger) |
| Earnings | 57 | 100 (stronger) |
| Funding & liquidity | 79 | 91 (stronger) |
| Problem-loan coverage | 65 | 99 (stronger) |
| Peer percentile | 6th | 98th |
| Total assets | $391.1M | $67.8M |
| Deposits / shares | $356.5M | $51.6M |
| Capital ratio | 8.96% | 22.84% (stronger) |
| Problem loans | 2.10% | 0.23% (stronger) |
| Net charge-offs | -0.03% (stronger) | 1.14% |
| Return on assets | 0.93% | 2.64% (stronger) |
| Loans ÷ deposits | 81.4% | 69.7% (stronger) |
| Uninsured deposits | 14.0% | 0.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 35.4% | — |
Wvu Employees Federal Credit Union has the higher TellerScore (97 vs 49). On the 7 directional measures above (where higher or lower is clearly better), First Exchange Bank leads on 1 and Wvu Employees Federal Credit Union on 6. 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.