Side-by-side · Q2 2026 data
The State Credit Union vs Local No. 317 I.A.F.F. Credit Union
Credit union
The State Credit Union
Charleston, West Virginia · Under $100 million in assets
Credit union
Local No. 317 I.A.F.F. Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | The State Credit Union | Local No. 317 I.A.F.F. Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 36 |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 71 (stronger) | 28 |
| Funding & liquidity | 89 | 90 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 89th | 30th |
| Total assets | $95.3M | $10.1M |
| Deposits / shares | $75.7M | $9.3M |
| Capital ratio | 19.12% (stronger) | 8.60% |
| Problem loans | 0.25% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.42% |
| Return on assets | 1.26% (stronger) | 0.21% |
| Loans ÷ deposits | 71.2% | 70.5% (stronger) |
| Uninsured deposits | 1.9% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
The State Credit Union has the higher TellerScore (90 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The State Credit Union leads on 4 and Local No. 317 I.A.F.F. Credit Union on 3. 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.