Side-by-side · Q2 2026 data
Home Federal Credit Union vs Union Trades Federal Credit Union
Credit union
Union Trades Federal Credit Union
Parkersburg, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Home Federal Credit Union | Union Trades Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 84 (stronger) |
| Capital cushion | 93 | 100 (stronger) |
| Loan quality | 70 (stronger) | 69 |
| Earnings | 45 | 61 (stronger) |
| Funding & liquidity | 86 | 100 (stronger) |
| Problem-loan coverage | 92 | 97 (stronger) |
| Peer percentile | 57th | 75th |
| Total assets | $38.4M | $34.4M |
| Deposits / shares | $32.8M | $27.9M |
| Capital ratio | 14.33% | 18.44% (stronger) |
| Problem loans | 0.89% (stronger) | 0.92% |
| Net charge-offs | 0.31% (stronger) | 0.61% |
| Return on assets | 0.62% | 1.03% (stronger) |
| Loans ÷ deposits | 74.4% | 34.3% (stronger) |
| Uninsured deposits | 5.9% | 5.1% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Union Trades Federal Credit Union has the higher TellerScore (84 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Home Federal Credit Union leads on 2 and Union Trades Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.