Side-by-side · Q2 2026 data
The State Credit Union vs Lone Star Credit Union
Credit union
The State Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | The State Credit Union | Lone Star Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 39 |
| Loan quality | 92 | 92 |
| Earnings | 71 (stronger) | 39 |
| Funding & liquidity | 89 (stronger) | 88 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 89th | 34th |
| Total assets | $95.3M | $188.3M |
| Deposits / shares | $75.7M | $169.8M |
| Capital ratio | 19.12% (stronger) | 8.93% |
| Problem loans | 0.25% | 0.25% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.80% |
| Return on assets | 1.26% (stronger) | 0.49% |
| Loans ÷ deposits | 71.2% (stronger) | 72.0% |
| Uninsured deposits | 1.9% (stronger) | 7.9% |
| Offices | 2 | 4 |
| 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 6 and Lone Star Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.