Side-by-side · Q2 2026 data
Ravenswood Federal Credit Union vs Element Federal Credit Union
Credit union
Ravenswood Federal Credit Union
Ravenswood, West Virginia · Under $100 million in assets
Credit union
Element Federal Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Ravenswood Federal Credit Union | Element Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 76 (stronger) |
| Capital cushion | 34 | 100 (stronger) |
| Loan quality | 67 (stronger) | 54 |
| Earnings | 29 | 56 (stronger) |
| Funding & liquidity | 100 (stronger) | 82 |
| Problem-loan coverage | 91 (stronger) | 90 |
| Peer percentile | 17th | 54th |
| Total assets | $53.6M | $47.3M |
| Deposits / shares | $48.8M | $36.6M |
| Capital ratio | 8.45% | 21.80% (stronger) |
| Problem loans | 0.99% (stronger) | 1.38% |
| Net charge-offs | 1.10% | 0.42% (stronger) |
| Return on assets | 0.21% | 0.90% (stronger) |
| Loans ÷ deposits | 35.7% (stronger) | 78.1% |
| Uninsured deposits | 1.3% (stronger) | 4.1% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Element Federal Credit Union has the higher TellerScore (76 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Ravenswood Federal Credit Union leads on 3 and Element Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.