Side-by-side · Q2 2026 data
The Settlers Bank vs Willow Island Federal Credit Union
Credit union
Willow Island Federal Credit Union
Saint Marys, West Virginia · Under $100 million in assets
Metric by metric
| Measure | The Settlers Bank | Willow Island Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 54 |
| Capital cushion | 100 (stronger) | 29 |
| Loan quality | 94 (stronger) | 76 |
| Earnings | 93 (stronger) | 36 |
| Funding & liquidity | 79 (stronger) | 71 |
| Problem-loan coverage | 99 (stronger) | 85 |
| Peer percentile | 98th | 13th |
| Total assets | $142.4M | $12.0M |
| Deposits / shares | $119.1M | $11.0M |
| Capital ratio | 16.19% (stronger) | 7.94% |
| Problem loans | 0.18% (stronger) | 0.72% |
| Net charge-offs | 0.00% (stronger) | 0.43% |
| Return on assets | 1.83% (stronger) | 0.40% |
| Loans ÷ deposits | 77.1% (stronger) | 89.7% |
| Uninsured deposits | 18.4% | 3.2% (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 54). On the 7 directional measures above (where higher or lower is clearly better), The Settlers Bank leads on 6 and Willow Island Federal Credit Union on 1. 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.