Side-by-side · Q2 2026 data
Kemba Charleston Federal Credit Union vs Home Federal Credit Union
Credit union
Kemba Charleston Federal Credit Union
Dunbar, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Kemba Charleston Federal Credit Union | Home Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 77 |
| Capital cushion | 100 (stronger) | 93 |
| Loan quality | 67 | 70 (stronger) |
| Earnings | 46 (stronger) | 45 |
| Funding & liquidity | 100 (stronger) | 86 |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 68th | 57th |
| Total assets | $44.7M | $38.4M |
| Deposits / shares | $35.1M | $32.8M |
| Capital ratio | 20.64% (stronger) | 14.33% |
| Problem loans | 1.00% | 0.89% (stronger) |
| Net charge-offs | 0.15% (stronger) | 0.31% |
| Return on assets | 0.64% (stronger) | 0.62% |
| Loans ÷ deposits | 39.0% (stronger) | 74.4% |
| Uninsured deposits | 3.4% (stronger) | 5.9% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Kemba Charleston Federal Credit Union has the higher TellerScore (81 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Kemba Charleston Federal Credit Union leads on 6 and Home Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.