Side-by-side · Q2 2026 data
Pioneer Appalachia Federal Credit Union vs West Virginia Central Federal Credit Union
Credit union
Pioneer Appalachia Federal Credit Union
Charleston, West Virginia · $100 million – $1 billion
Credit union
West Virginia Central Federal Credit Union
Parkersburg, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | Pioneer Appalachia Federal Credit Union | West Virginia Central Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 76 |
| Capital cushion | 63 | 82 (stronger) |
| Loan quality | 98 (stronger) | 71 |
| Earnings | 41 | 62 (stronger) |
| Funding & liquidity | 94 (stronger) | 83 |
| Problem-loan coverage | 99 (stronger) | 91 |
| Peer percentile | 68th | 68th |
| Total assets | $245.2M | $341.3M |
| Deposits / shares | $216.8M | $295.3M |
| Capital ratio | 11.26% | 13.23% (stronger) |
| Problem loans | 0.07% (stronger) | 0.87% |
| Net charge-offs | 0.26% | 0.14% (stronger) |
| Return on assets | 0.52% | 1.06% (stronger) |
| Loans ÷ deposits | 65.9% (stronger) | 77.6% |
| Uninsured deposits | 7.3% | 4.8% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.6% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Pioneer Appalachia Federal Credit Union leads on 2 and West Virginia Central Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.