Side-by-side · Q2 2026 data
South Charleston Employees Federal Credit Union vs Cape Federal Credit Union
Credit union
South Charleston Employees Federal Credit Union
South Charlesto, West Virginia · Under $100 million in assets
Metric by metric
| Measure | South Charleston Employees Federal Credit Union | Cape Federal Credit Union |
|---|---|---|
| TellerScore | 61 (stronger) | 38 |
| Capital cushion | 100 (stronger) | 10 |
| Loan quality | 0 | 47 (stronger) |
| Earnings | 50 (stronger) | 0 |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 84 |
| Peer percentile | 23rd | 3rd |
| Total assets | $14.2M | $15.5M |
| Deposits / shares | $5.7M | $14.5M |
| Capital ratio | 59.78% (stronger) | 6.05% |
| Problem loans | 3.54% | 1.58% (stronger) |
| Net charge-offs | 0.63% | 0.10% (stronger) |
| Return on assets | 0.74% (stronger) | -4.19% |
| Loans ÷ deposits | 81.3% | 32.2% (stronger) |
| Uninsured deposits | 1.7% (stronger) | 3.5% |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
South Charleston Employees Federal Credit Union has the higher TellerScore (61 vs 38). On the 7 directional measures above (where higher or lower is clearly better), South Charleston Employees Federal Credit Union leads on 4 and Cape Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.