Side-by-side · Q2 2026 data
Members Choice Wv Federal Credit Union vs The State Credit Union
Credit union
Members Choice Wv Federal Credit Union
Charleston, 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 | Members Choice Wv Federal Credit Union | The State Credit Union |
|---|---|---|
| TellerScore | 81 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 66 | 92 (stronger) |
| Earnings | 50 | 71 (stronger) |
| Funding & liquidity | 100 (stronger) | 89 |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 68th | 89th |
| Total assets | $93.6M | $95.3M |
| Deposits / shares | $73.2M | $75.7M |
| Capital ratio | 21.63% (stronger) | 19.12% |
| Problem loans | 1.03% | 0.25% (stronger) |
| Net charge-offs | 0.20% | -0.00% (stronger) |
| Return on assets | 0.74% | 1.26% (stronger) |
| Loans ÷ deposits | 60.6% (stronger) | 71.2% |
| Uninsured deposits | 1.9% (stronger) | 1.9% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | 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), Members Choice Wv Federal Credit Union leads on 3 and The State Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.