Side-by-side · Q2 2026 data
Kemba Charleston Federal Credit Union vs Metro Community Federal Credit Union
Credit union
Kemba Charleston Federal Credit Union
Dunbar, West Virginia · Under $100 million in assets
Credit union
Metro Community Federal Credit Union
Huntington, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Kemba Charleston Federal Credit Union | Metro Community Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 51 |
| Capital cushion | 100 (stronger) | 47 |
| Loan quality | 67 (stronger) | 10 |
| Earnings | 46 | 63 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 68 |
| Peer percentile | 68th | 10th |
| Total assets | $44.7M | $51.7M |
| Deposits / shares | $35.1M | $46.2M |
| Capital ratio | 20.64% (stronger) | 9.67% |
| Problem loans | 1.00% (stronger) | 2.71% |
| Net charge-offs | 0.15% (stronger) | 0.31% |
| Return on assets | 0.64% | 1.08% (stronger) |
| Loans ÷ deposits | 39.0% (stronger) | 57.1% |
| Uninsured deposits | 3.4% (stronger) | 10.2% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Kemba Charleston Federal Credit Union has the higher TellerScore (81 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Kemba Charleston Federal Credit Union leads on 6 and Metro Community Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.