Side-by-side · Q2 2026 data
Members Choice Wv Federal Credit Union vs Smw Financial Credit Union
Credit union
Members Choice Wv Federal Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Members Choice Wv Federal Credit Union | Smw Financial Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 75 |
| Capital cushion | 100 (stronger) | 65 |
| Loan quality | 66 | 100 (stronger) |
| Earnings | 50 (stronger) | 38 |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 68th | 52nd |
| Total assets | $93.6M | $87.5M |
| Deposits / shares | $73.2M | $77.6M |
| Capital ratio | 21.63% (stronger) | 11.51% |
| Problem loans | 1.03% | 0.01% (stronger) |
| Net charge-offs | 0.20% (stronger) | 0.22% |
| Return on assets | 0.74% (stronger) | 0.44% |
| Loans ÷ deposits | 60.6% (stronger) | 74.9% |
| Uninsured deposits | 1.9% (stronger) | 5.1% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | 0.0% |
Members Choice Wv Federal Credit Union has the higher TellerScore (81 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Members Choice Wv Federal Credit Union leads on 6 and Smw Financial Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Lino Lakes, MN