Side-by-side · Q2 2026 data
Putnam School Employees Federal Credit Union vs Twin Oaks Federal Credit Union
Credit union
Putnam School Employees Federal Credit Union
Eleanor, West Virginia · Under $100 million in assets
Credit union
Twin Oaks Federal Credit Union
Apple Grove, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Putnam School Employees Federal Credit Union | Twin Oaks Federal Credit Union |
|---|---|---|
| TellerScore | 99 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 74 |
| Loan quality | 95 (stronger) | 80 |
| Earnings | 100 (stronger) | 34 |
| Funding & liquidity | 100 (stronger) | 62 |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 99th | 36th |
| Total assets | $14.1M | $6.6M |
| Deposits / shares | $11.1M | $5.8M |
| Capital ratio | 21.00% (stronger) | 12.39% |
| Problem loans | 0.14% (stronger) | 0.60% |
| Net charge-offs | 0.00% (stronger) | 0.48% |
| Return on assets | 3.81% (stronger) | 0.34% |
| Loans ÷ deposits | 60.0% (stronger) | 97.8% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Putnam School Employees Federal Credit Union has the higher TellerScore (99 vs 68). On the 6 directional measures above (where higher or lower is clearly better), Putnam School Employees Federal Credit Union leads on 6 and Twin Oaks Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.