Side-by-side · Q2 2026 data
Star USA Federal Credit Union vs The State Credit Union
Credit union
Star USA Federal Credit Union
Charleston, West Virginia · $100 million – $1 billion
Credit union
The State Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Star USA Federal Credit Union | The State Credit Union |
|---|---|---|
| TellerScore | 62 | 90 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 67 | 92 (stronger) |
| Earnings | 48 | 71 (stronger) |
| Funding & liquidity | 78 | 89 (stronger) |
| Problem-loan coverage | 70 | 98 (stronger) |
| Peer percentile | 26th | 89th |
| Total assets | $153.0M | $95.3M |
| Deposits / shares | $129.0M | $75.7M |
| Capital ratio | 10.61% | 19.12% (stronger) |
| Problem loans | 0.98% | 0.25% (stronger) |
| Net charge-offs | 0.34% | -0.00% (stronger) |
| Return on assets | 0.70% | 1.26% (stronger) |
| Loans ÷ deposits | 82.7% | 71.2% (stronger) |
| Uninsured deposits | 2.4% | 1.9% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | 0.0% |
The State Credit Union has the higher TellerScore (90 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Star USA Federal Credit Union leads on 0 and The State Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.