Side-by-side · Q2 2026 data
Nickel Steel Federal Credit Union vs W T Community Federal Credit Union
Credit union
W T Community Federal Credit Union
Cincinnati, Ohio · Under $100 million in assets
Metric by metric
| Measure | Nickel Steel Federal Credit Union | W T Community Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 86 | 97 (stronger) |
| Earnings | 0 | 13 (stronger) |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 54th | 32nd |
| Total assets | $5.2M | $4.6M |
| Deposits / shares | $3.5M | $4.1M |
| Capital ratio | 33.12% (stronger) | 9.77% |
| Problem loans | 0.42% | 0.09% (stronger) |
| Net charge-offs | 2.27% | 0.55% (stronger) |
| Return on assets | -1.10% | -0.17% (stronger) |
| Loans ÷ deposits | 63.2% | 57.7% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Nickel Steel Federal Credit Union has the higher TellerScore (76 vs 66). On the 6 directional measures above (where higher or lower is clearly better), Nickel Steel Federal Credit Union leads on 2 and W T Community Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.