Side-by-side · Q2 2026 data
Mercer County W VA Teachers Federal Credit Union vs Alloy Federal Credit Union
Credit union
Mercer County W VA Teachers Federal Credit Union
Bluefield, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Mercer County W VA Teachers Federal Credit Union | Alloy Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 71 (stronger) |
| Capital cushion | 43 | 97 (stronger) |
| Loan quality | 37 | 39 (stronger) |
| Earnings | 67 (stronger) | 55 |
| Funding & liquidity | 89 (stronger) | 85 |
| Problem-loan coverage | 74 | 84 (stronger) |
| Peer percentile | 16th | 42nd |
| Total assets | $28.3M | $29.6M |
| Deposits / shares | $25.6M | $25.2M |
| Capital ratio | 9.35% | 14.73% (stronger) |
| Problem loans | 1.88% | 1.83% (stronger) |
| Net charge-offs | 0.14% (stronger) | 0.75% |
| Return on assets | 1.18% (stronger) | 0.86% |
| Loans ÷ deposits | 71.5% (stronger) | 75.1% |
| Uninsured deposits | 0.0% (stronger) | 4.8% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alloy Federal Credit Union has the higher TellerScore (71 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Mercer County W VA Teachers Federal Credit Union leads on 4 and Alloy Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.