Side-by-side · Q2 2026 data
Natrium Employees Federal Credit Union vs Ohio Valley Community Federal Credit Union
Credit union
Natrium Employees Federal Credit Union
Proctor, West Virginia · Under $100 million in assets
Credit union
Ohio Valley Community Federal Credit Union
Clarington, Ohio · $100 million – $1 billion
Metric by metric
| Measure | Natrium Employees Federal Credit Union | Ohio Valley Community Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 72 |
| Capital cushion | 74 | 84 (stronger) |
| Loan quality | 74 (stronger) | 47 |
| Earnings | 100 (stronger) | 74 |
| Funding & liquidity | 90 (stronger) | 79 |
| Problem-loan coverage | 92 (stronger) | 83 |
| Peer percentile | 72nd | 57th |
| Total assets | $12.0M | $243.6M |
| Deposits / shares | $10.5M | $210.3M |
| Capital ratio | 12.41% | 13.39% (stronger) |
| Problem loans | 0.78% (stronger) | 1.59% |
| Net charge-offs | 0.01% (stronger) | 0.74% |
| Return on assets | 2.24% (stronger) | 1.36% |
| Loans ÷ deposits | 69.8% (stronger) | 81.0% |
| Uninsured deposits | 0.0% (stronger) | 5.8% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.8% |
Natrium Employees Federal Credit Union has the higher TellerScore (83 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Natrium Employees Federal Credit Union leads on 6 and Ohio Valley Community Federal Credit Union on 1. 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.