Side-by-side · Q2 2026 data
The Settlers Bank 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 Settlers Bank | West Virginia Central Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 82 |
| Loan quality | 94 (stronger) | 71 |
| Earnings | 93 (stronger) | 62 |
| Funding & liquidity | 79 | 83 (stronger) |
| Problem-loan coverage | 99 (stronger) | 91 |
| Peer percentile | 98th | 68th |
| Total assets | $142.4M | $341.3M |
| Deposits / shares | $119.1M | $295.3M |
| Capital ratio | 16.19% (stronger) | 13.23% |
| Problem loans | 0.18% (stronger) | 0.87% |
| Net charge-offs | 0.00% (stronger) | 0.14% |
| Return on assets | 1.83% (stronger) | 1.06% |
| Loans ÷ deposits | 77.1% (stronger) | 77.6% |
| Uninsured deposits | 18.4% | 4.8% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Settlers Bank has the higher TellerScore (94 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The Settlers Bank 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.