Side-by-side · Q2 2026 data
National Employees Federal Credit Union vs Romney Federal Credit Union
Credit union
National Employees Federal Credit Union
Bluefield, West Virginia · Under $100 million in assets
Credit union
Romney Federal Credit Union
Romney, West Virginia · Under $100 million in assets
Metric by metric
| Measure | National Employees Federal Credit Union | Romney Federal Credit Union |
|---|---|---|
| TellerScore | 68 (stronger) | 49 |
| Capital cushion | 81 (stronger) | 42 |
| Loan quality | 66 (stronger) | 32 |
| Earnings | 27 | 52 (stronger) |
| Funding & liquidity | 88 (stronger) | 78 |
| Problem-loan coverage | 90 (stronger) | 61 |
| Peer percentile | 36th | 8th |
| Total assets | $15.0M | $14.8M |
| Deposits / shares | $13.0M | $13.5M |
| Capital ratio | 13.07% (stronger) | 9.23% |
| Problem loans | 1.02% (stronger) | 2.05% |
| Net charge-offs | 0.11% (stronger) | 1.74% |
| Return on assets | 0.16% | 0.79% (stronger) |
| Loans ÷ deposits | 72.5% (stronger) | 82.6% |
| Uninsured deposits | 0.9% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
National Employees Federal Credit Union has the higher TellerScore (68 vs 49). On the 7 directional measures above (where higher or lower is clearly better), National Employees Federal Credit Union leads on 5 and Romney Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.