Side-by-side · Q2 2026 data
One Community Federal Credit Union vs Union Trades Federal Credit Union
Credit union
One Community Federal Credit Union
Parkersburg, West Virginia · $100 million – $1 billion
Credit union
Union Trades Federal Credit Union
Parkersburg, West Virginia · Under $100 million in assets
Metric by metric
| Measure | One Community Federal Credit Union | Union Trades Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 84 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 62 | 69 (stronger) |
| Earnings | 50 | 61 (stronger) |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 84 | 97 (stronger) |
| Peer percentile | 29th | 75th |
| Total assets | $100.9M | $34.4M |
| Deposits / shares | $89.3M | $27.9M |
| Capital ratio | 10.89% | 18.44% (stronger) |
| Problem loans | 1.15% | 0.92% (stronger) |
| Net charge-offs | 0.56% (stronger) | 0.61% |
| Return on assets | 0.75% | 1.03% (stronger) |
| Loans ÷ deposits | 83.5% | 34.3% (stronger) |
| Uninsured deposits | 1.6% (stronger) | 5.1% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Union Trades Federal Credit Union has the higher TellerScore (84 vs 63). On the 7 directional measures above (where higher or lower is clearly better), One Community Federal Credit Union leads on 2 and Union Trades Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.