Side-by-side · Q2 2026 data
Putnam School Employees Federal Credit Union vs The State Credit Union
Credit union
Putnam School Employees Federal Credit Union
Eleanor, West Virginia · Under $100 million in assets
Credit union
The State Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Putnam School Employees Federal Credit Union | The State Credit Union |
|---|---|---|
| TellerScore | 99 (stronger) | 90 |
| Capital cushion | 100 | 100 |
| Loan quality | 95 (stronger) | 92 |
| Earnings | 100 (stronger) | 71 |
| Funding & liquidity | 100 (stronger) | 89 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 99th | 89th |
| Total assets | $14.1M | $95.3M |
| Deposits / shares | $11.1M | $75.7M |
| Capital ratio | 21.00% (stronger) | 19.12% |
| Problem loans | 0.14% (stronger) | 0.25% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 3.81% (stronger) | 1.26% |
| Loans ÷ deposits | 60.0% (stronger) | 71.2% |
| Uninsured deposits | 0.0% (stronger) | 1.9% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Putnam School Employees Federal Credit Union has the higher TellerScore (99 vs 90). On the 7 directional measures above (where higher or lower is clearly better), Putnam School Employees Federal Credit Union leads on 6 and The State Credit Union on 1. 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.