Side-by-side · Q2 2026 data
The Hocking Valley Bank vs Union Trades Federal Credit Union
Credit union
Union Trades Federal Credit Union
Parkersburg, West Virginia · Under $100 million in assets
Metric by metric
| Measure | The Hocking Valley Bank | Union Trades Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 84 (stronger) |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 82 (stronger) | 69 |
| Earnings | 75 (stronger) | 61 |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 68th | 75th |
| Total assets | $354.0M | $34.4M |
| Deposits / shares | $312.0M | $27.9M |
| Capital ratio | 11.44% | 18.44% (stronger) |
| Problem loans | 0.54% (stronger) | 0.92% |
| Net charge-offs | 0.00% (stronger) | 0.61% |
| Return on assets | 1.37% (stronger) | 1.03% |
| Loans ÷ deposits | 65.6% | 34.3% (stronger) |
| Uninsured deposits | 23.3% | 5.1% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Union Trades Federal Credit Union has the higher TellerScore (84 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The Hocking Valley Bank leads on 3 and Union Trades Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.