Side-by-side · Q2 2026 data
First United Bank & Trust vs Wepco Federal Credit Union
Metric by metric
| Measure | First United Bank & Trust | Wepco Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 86 (stronger) |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 90 (stronger) | 67 |
| Earnings | 70 | 86 (stronger) |
| Funding & liquidity | 63 | 84 (stronger) |
| Problem-loan coverage | 96 (stronger) | 91 |
| Peer percentile | 77th | 89th |
| Total assets | $2.1B | $399.3M |
| Deposits / shares | $1.7B | $336.7M |
| Capital ratio | 11.56% | 15.46% (stronger) |
| Problem loans | 0.31% (stronger) | 0.98% |
| Net charge-offs | 0.04% (stronger) | 0.83% |
| Return on assets | 1.25% | 1.65% (stronger) |
| Loans ÷ deposits | 89.0% | 76.6% (stronger) |
| Uninsured deposits | 22.7% | 5.4% (stronger) |
| Offices | 22 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.5% |
Wepco Federal Credit Union has the higher TellerScore (86 vs 75). On the 7 directional measures above (where higher or lower is clearly better), First United Bank & Trust leads on 2 and Wepco Federal Credit Union on 5. 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.
Where both have branches
- Cumberland, MD
- Oakland, MD
- Keyser, WV