Side-by-side · Q2 2026 data
Raleigh County Federal Credit Union vs Celco Community Federal Credit Union
Credit union
Raleigh County Federal Credit Union
Beckley, West Virginia · Under $100 million in assets
Credit union
Celco Community Federal Credit Union
Narrows, Virginia · $100 million – $1 billion
Metric by metric
| Measure | Raleigh County Federal Credit Union | Celco Community Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 85 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 89 (stronger) | 56 |
| Earnings | 44 | 85 (stronger) |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 97 (stronger) | 93 |
| Peer percentile | 62nd | 87th |
| Total assets | $21.6M | $143.9M |
| Deposits / shares | $18.7M | $113.2M |
| Capital ratio | 12.57% | 20.92% (stronger) |
| Problem loans | 0.34% (stronger) | 1.33% |
| Net charge-offs | 0.73% | 0.15% (stronger) |
| Return on assets | 0.59% | 1.62% (stronger) |
| Loans ÷ deposits | 56.8% (stronger) | 65.3% |
| Uninsured deposits | 1.3% (stronger) | 5.3% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.1% |
Celco Community Federal Credit Union has the higher TellerScore (85 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Raleigh County Federal Credit Union leads on 3 and Celco Community Federal Credit Union on 4. 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.