Side-by-side · Q2 2026 data
Metro Community Federal Credit Union vs Element Federal Credit Union
Credit union
Metro Community Federal Credit Union
Huntington, West Virginia · Under $100 million in assets
Credit union
Element Federal Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Metro Community Federal Credit Union | Element Federal Credit Union |
|---|---|---|
| TellerScore | 51 | 76 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 10 | 54 (stronger) |
| Earnings | 63 (stronger) | 56 |
| Funding & liquidity | 100 (stronger) | 82 |
| Problem-loan coverage | 68 | 90 (stronger) |
| Peer percentile | 10th | 54th |
| Total assets | $51.7M | $47.3M |
| Deposits / shares | $46.2M | $36.6M |
| Capital ratio | 9.67% | 21.80% (stronger) |
| Problem loans | 2.71% | 1.38% (stronger) |
| Net charge-offs | 0.31% (stronger) | 0.42% |
| Return on assets | 1.08% (stronger) | 0.90% |
| Loans ÷ deposits | 57.1% (stronger) | 78.1% |
| Uninsured deposits | 10.2% | 4.1% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Element Federal Credit Union has the higher TellerScore (76 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Metro Community Federal Credit Union leads on 3 and Element Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.