Side-by-side · Q2 2026 data
The State Credit Union vs Neighborhood Credit Union
Credit union
The State Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | The State Credit Union | Neighborhood Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 59 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 92 (stronger) | 49 |
| Earnings | 71 (stronger) | 46 |
| Funding & liquidity | 89 (stronger) | 83 |
| Problem-loan coverage | 98 (stronger) | 77 |
| Peer percentile | 89th | 22nd |
| Total assets | $95.3M | $1.1B |
| Deposits / shares | $75.7M | $998.1M |
| Capital ratio | 19.12% (stronger) | 10.76% |
| Problem loans | 0.25% (stronger) | 1.54% |
| Net charge-offs | -0.00% (stronger) | 1.13% |
| Return on assets | 1.26% (stronger) | 0.66% |
| Loans ÷ deposits | 71.2% (stronger) | 77.5% |
| Uninsured deposits | 1.9% (stronger) | 7.8% |
| Offices | 2 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
The State Credit Union has the higher TellerScore (90 vs 59). On the 7 directional measures above (where higher or lower is clearly better), The State Credit Union leads on 7 and Neighborhood Credit Union on 0. 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.