Side-by-side · Q2 2026 data
New Peoples Bank, Inc. vs McDowell County Federal Credit Union
Credit union
McDowell County Federal Credit Union
Welch, West Virginia · Under $100 million in assets
Metric by metric
| Measure | New Peoples Bank, Inc. | McDowell County Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 88 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 85 | 100 (stronger) |
| Earnings | 79 (stronger) | 40 |
| Funding & liquidity | 73 | 100 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 64th | 85th |
| Total assets | $942.5M | $68K |
| Deposits / shares | $828.4M | $52K |
| Capital ratio | 11.17% | 23.60% (stronger) |
| Problem loans | 0.45% | 0.00% (stronger) |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 1.48% (stronger) | 0.50% |
| Loans ÷ deposits | 87.6% | 12.9% (stronger) |
| Uninsured deposits | 12.7% | 0.0% (stronger) |
| Offices | 17 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | — |
McDowell County Federal Credit Union has the higher TellerScore (88 vs 76). On the 7 directional measures above (where higher or lower is clearly better), New Peoples Bank, Inc. leads on 1 and McDowell County Federal Credit Union on 6. 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.