Side-by-side · Q2 2026 data
The United Federal Credit Union vs West Virginia Central Federal Credit Union
Credit union
The United Federal Credit Union
Morgantown, West Virginia · $100 million – $1 billion
Credit union
West Virginia Central Federal Credit Union
Parkersburg, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | The United Federal Credit Union | West Virginia Central Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 76 (stronger) |
| Capital cushion | 100 (stronger) | 82 |
| Loan quality | 0 | 71 (stronger) |
| Earnings | 45 | 62 (stronger) |
| Funding & liquidity | 69 | 83 (stronger) |
| Problem-loan coverage | 80 | 91 (stronger) |
| Peer percentile | 14th | 68th |
| Total assets | $109.2M | $341.3M |
| Deposits / shares | $78.9M | $295.3M |
| Capital ratio | 27.55% (stronger) | 13.23% |
| Problem loans | 3.21% | 0.87% (stronger) |
| Net charge-offs | 0.32% | 0.14% (stronger) |
| Return on assets | 0.63% | 1.06% (stronger) |
| Loans ÷ deposits | 91.4% | 77.6% (stronger) |
| Uninsured deposits | 5.6% | 4.8% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Virginia Central Federal Credit Union has the higher TellerScore (76 vs 57). On the 7 directional measures above (where higher or lower is clearly better), The United Federal Credit Union leads on 1 and West Virginia Central Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.