Side-by-side · Q2 2026 data
Star USA Federal Credit Union vs The United Federal Credit Union
Credit union
Star USA Federal Credit Union
Charleston, West Virginia · $100 million – $1 billion
Credit union
The United Federal Credit Union
Morgantown, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | Star USA Federal Credit Union | The United Federal Credit Union |
|---|---|---|
| TellerScore | 62 (stronger) | 57 |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 67 (stronger) | 0 |
| Earnings | 48 (stronger) | 45 |
| Funding & liquidity | 78 (stronger) | 69 |
| Problem-loan coverage | 70 | 80 (stronger) |
| Peer percentile | 26th | 14th |
| Total assets | $153.0M | $109.2M |
| Deposits / shares | $129.0M | $78.9M |
| Capital ratio | 10.61% | 27.55% (stronger) |
| Problem loans | 0.98% (stronger) | 3.21% |
| Net charge-offs | 0.34% | 0.32% (stronger) |
| Return on assets | 0.70% (stronger) | 0.63% |
| Loans ÷ deposits | 82.7% (stronger) | 91.4% |
| Uninsured deposits | 2.4% (stronger) | 5.6% |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | — |
Star USA Federal Credit Union has the higher TellerScore (62 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Star USA Federal Credit Union leads on 5 and The United Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.