Side-by-side · Q2 2026 data
The State Credit Union vs America'S Credit Union
Credit union
The State Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | The State Credit Union | America'S Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 76 |
| Capital cushion | 100 | 100 |
| Loan quality | 92 (stronger) | 80 |
| Earnings | 71 (stronger) | 21 |
| Funding & liquidity | 89 (stronger) | 83 |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 89th | 68th |
| Total assets | $95.3M | $427.6M |
| Deposits / shares | $75.7M | $362.2M |
| Capital ratio | 19.12% (stronger) | 15.01% |
| Problem loans | 0.25% (stronger) | 0.59% |
| Net charge-offs | -0.00% (stronger) | 0.89% |
| Return on assets | 1.26% (stronger) | 0.02% |
| Loans ÷ deposits | 71.2% (stronger) | 77.4% |
| Uninsured deposits | 1.9% (stronger) | 5.1% |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 20.0% |
The State Credit Union has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The State Credit Union leads on 7 and America'S Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.