Side-by-side · Q2 2026 data
Monet Bank vs The State Credit Union
Credit union
The State Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Monet Bank | The State Credit Union |
|---|---|---|
| TellerScore | 65 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 92 (stronger) |
| Earnings | 100 (stronger) | 71 |
| Funding & liquidity | 50 | 89 (stronger) |
| Problem-loan coverage | 76 | 98 (stronger) |
| Peer percentile | 36th | 89th |
| Total assets | $3.2B | $95.3M |
| Deposits / shares | $913.0M | $75.7M |
| Capital ratio | 31.69% (stronger) | 19.12% |
| Problem loans | 25.76% | 0.25% (stronger) |
| Net charge-offs | -4.61% (stronger) | -0.00% |
| Return on assets | 4.06% (stronger) | 1.26% |
| Loans ÷ deposits | 49.0% (stronger) | 71.2% |
| Uninsured deposits | 80.2% | 1.9% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
The State Credit Union has the higher TellerScore (90 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Monet Bank leads on 4 and The State Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.