Side-by-side · Q2 2026 data
Kemba Charleston Federal Credit Union vs Element Federal Credit Union
Credit union
Kemba Charleston Federal Credit Union
Dunbar, West Virginia · Under $100 million in assets
Credit union
Element Federal Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Kemba Charleston Federal Credit Union | Element Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 76 |
| Capital cushion | 100 | 100 |
| Loan quality | 67 (stronger) | 54 |
| Earnings | 46 | 56 (stronger) |
| Funding & liquidity | 100 (stronger) | 82 |
| Problem-loan coverage | 97 (stronger) | 90 |
| Peer percentile | 68th | 54th |
| Total assets | $44.7M | $47.3M |
| Deposits / shares | $35.1M | $36.6M |
| Capital ratio | 20.64% | 21.80% (stronger) |
| Problem loans | 1.00% (stronger) | 1.38% |
| Net charge-offs | 0.15% (stronger) | 0.42% |
| Return on assets | 0.64% | 0.90% (stronger) |
| Loans ÷ deposits | 39.0% (stronger) | 78.1% |
| Uninsured deposits | 3.4% (stronger) | 4.1% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Kemba Charleston Federal Credit Union has the higher TellerScore (81 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Kemba Charleston Federal Credit Union leads on 5 and Element Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.