Side-by-side · Q2 2026 data
Pioneer Appalachia Federal Credit Union vs The State Credit Union
Credit union
Pioneer Appalachia Federal Credit Union
Charleston, West Virginia · $100 million – $1 billion
Credit union
The State Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Pioneer Appalachia Federal Credit Union | The State Credit Union |
|---|---|---|
| TellerScore | 76 | 90 (stronger) |
| Capital cushion | 63 | 100 (stronger) |
| Loan quality | 98 (stronger) | 92 |
| Earnings | 41 | 71 (stronger) |
| Funding & liquidity | 94 (stronger) | 89 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 68th | 89th |
| Total assets | $245.2M | $95.3M |
| Deposits / shares | $216.8M | $75.7M |
| Capital ratio | 11.26% | 19.12% (stronger) |
| Problem loans | 0.07% (stronger) | 0.25% |
| Net charge-offs | 0.26% | -0.00% (stronger) |
| Return on assets | 0.52% | 1.26% (stronger) |
| Loans ÷ deposits | 65.9% (stronger) | 71.2% |
| Uninsured deposits | 7.3% | 1.9% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.6% | 0.0% |
The State Credit Union has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Appalachia Federal Credit Union leads on 2 and The State Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.