Side-by-side · Q2 2026 data
New Peoples Bank, Inc. vs Mercer County W VA Teachers Federal Credit Union
Credit union
Mercer County W VA Teachers Federal Credit Union
Bluefield, West Virginia · Under $100 million in assets
Metric by metric
| Measure | New Peoples Bank, Inc. | Mercer County W VA Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 56 |
| Capital cushion | 62 (stronger) | 43 |
| Loan quality | 85 (stronger) | 37 |
| Earnings | 79 (stronger) | 67 |
| Funding & liquidity | 73 | 89 (stronger) |
| Problem-loan coverage | 93 (stronger) | 74 |
| Peer percentile | 64th | 16th |
| Total assets | $942.5M | $28.3M |
| Deposits / shares | $828.4M | $25.6M |
| Capital ratio | 11.17% (stronger) | 9.35% |
| Problem loans | 0.45% (stronger) | 1.88% |
| Net charge-offs | 0.06% (stronger) | 0.14% |
| Return on assets | 1.48% (stronger) | 1.18% |
| Loans ÷ deposits | 87.6% | 71.5% (stronger) |
| Uninsured deposits | 12.7% | 0.0% (stronger) |
| Offices | 17 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | — |
New Peoples Bank, Inc. has the higher TellerScore (76 vs 56). On the 7 directional measures above (where higher or lower is clearly better), New Peoples Bank, Inc. leads on 5 and Mercer County W VA Teachers Federal Credit Union on 2. 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.