Side-by-side · Q2 2026 data
The Citizens Bank Company vs West Virginia Central Federal Credit Union
Credit union
West Virginia Central Federal Credit Union
Parkersburg, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | The Citizens Bank Company | West Virginia Central Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 76 |
| Capital cushion | 86 (stronger) | 82 |
| Loan quality | 87 (stronger) | 71 |
| Earnings | 78 (stronger) | 62 |
| Funding & liquidity | 86 (stronger) | 83 |
| Problem-loan coverage | 97 (stronger) | 91 |
| Peer percentile | 90th | 68th |
| Total assets | $334.6M | $341.3M |
| Deposits / shares | $291.0M | $295.3M |
| Capital ratio | 13.56% (stronger) | 13.23% |
| Problem loans | 0.39% (stronger) | 0.87% |
| Net charge-offs | 0.03% (stronger) | 0.14% |
| Return on assets | 1.46% (stronger) | 1.06% |
| Loans ÷ deposits | 63.8% (stronger) | 77.6% |
| Uninsured deposits | 24.5% | 4.8% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank Company has the higher TellerScore (86 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank Company leads on 6 and West Virginia Central Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.