Side-by-side · Q2 2026 data
Pioneer Appalachia Federal Credit Union vs Charleston Federal Credit Union
Credit union
Pioneer Appalachia Federal Credit Union
Charleston, West Virginia · $100 million – $1 billion
Credit union
Charleston Federal Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Pioneer Appalachia Federal Credit Union | Charleston Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 88 (stronger) |
| Capital cushion | 63 | 98 (stronger) |
| Loan quality | 98 (stronger) | 75 |
| Earnings | 41 | 84 (stronger) |
| Funding & liquidity | 94 (stronger) | 89 |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 68th | 85th |
| Total assets | $245.2M | $15.5M |
| Deposits / shares | $216.8M | $13.2M |
| Capital ratio | 11.26% | 14.81% (stronger) |
| Problem loans | 0.07% (stronger) | 0.75% |
| Net charge-offs | 0.26% | 0.10% (stronger) |
| Return on assets | 0.52% | 1.61% (stronger) |
| Loans ÷ deposits | 65.9% (stronger) | 71.3% |
| Uninsured deposits | 7.3% | 0.2% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.6% | — |
Charleston Federal Credit Union has the higher TellerScore (88 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Appalachia Federal Credit Union leads on 2 and Charleston Federal Credit Union on 5. 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.