Side-by-side · Q2 2026 data
Kemba Charleston Federal Credit Union vs West Virginia Federal Credit Union
Credit union
Kemba Charleston Federal Credit Union
Dunbar, West Virginia · Under $100 million in assets
Credit union
West Virginia Federal Credit Union
South Charlesto, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | Kemba Charleston Federal Credit Union | West Virginia Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 88 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 67 | 75 (stronger) |
| Earnings | 46 | 76 (stronger) |
| Funding & liquidity | 100 (stronger) | 93 |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 68th | 92nd |
| Total assets | $44.7M | $141.6M |
| Deposits / shares | $35.1M | $114.2M |
| Capital ratio | 20.64% (stronger) | 18.52% |
| Problem loans | 1.00% | 0.74% (stronger) |
| Net charge-offs | 0.15% (stronger) | 0.18% |
| Return on assets | 0.64% | 1.40% (stronger) |
| Loans ÷ deposits | 39.0% (stronger) | 67.3% |
| Uninsured deposits | 3.4% | 3.3% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.8% |
West Virginia Federal Credit Union has the higher TellerScore (88 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Kemba Charleston Federal Credit Union leads on 3 and West Virginia Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.