Side-by-side · Q2 2026 data
The Poca Valley Bank, Inc. vs West Virginia Federal Credit Union
Credit union
West Virginia Federal Credit Union
South Charlesto, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | The Poca Valley Bank, Inc. | West Virginia Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 88 (stronger) |
| Capital cushion | 28 | 100 (stronger) |
| Loan quality | 88 (stronger) | 75 |
| Earnings | 49 | 76 (stronger) |
| Funding & liquidity | 77 | 93 (stronger) |
| Problem-loan coverage | 90 | 96 (stronger) |
| Peer percentile | 20th | 92nd |
| Total assets | $666.2M | $141.6M |
| Deposits / shares | $603.3M | $114.2M |
| Capital ratio | 7.78% | 18.52% (stronger) |
| Problem loans | 0.37% (stronger) | 0.74% |
| Net charge-offs | 0.07% (stronger) | 0.18% |
| Return on assets | 0.72% | 1.40% (stronger) |
| Loans ÷ deposits | 83.3% | 67.3% (stronger) |
| Uninsured deposits | 12.5% | 3.3% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | 7.8% |
West Virginia Federal Credit Union has the higher TellerScore (88 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The Poca Valley Bank, Inc. leads on 2 and West Virginia Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.