Side-by-side · Q2 2026 data
Kemba Charleston Federal Credit Union vs The State Credit Union
Credit union
Kemba Charleston Federal Credit Union
Dunbar, West Virginia · Under $100 million in assets
Credit union
The State Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Kemba Charleston Federal Credit Union | The State Credit Union |
|---|---|---|
| TellerScore | 81 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 67 | 92 (stronger) |
| Earnings | 46 | 71 (stronger) |
| Funding & liquidity | 100 (stronger) | 89 |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 68th | 89th |
| Total assets | $44.7M | $95.3M |
| Deposits / shares | $35.1M | $75.7M |
| Capital ratio | 20.64% (stronger) | 19.12% |
| Problem loans | 1.00% | 0.25% (stronger) |
| Net charge-offs | 0.15% | -0.00% (stronger) |
| Return on assets | 0.64% | 1.26% (stronger) |
| Loans ÷ deposits | 39.0% (stronger) | 71.2% |
| Uninsured deposits | 3.4% | 1.9% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
The State Credit Union has the higher TellerScore (90 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Kemba Charleston Federal Credit Union leads on 2 and The State Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.