Side-by-side · Q2 2026 data
The Waterford Commercial and Savings Bank vs Wee Federal Credit Union
Credit union
Wee Federal Credit Union
Parkersburg, West Virginia · Under $100 million in assets
Metric by metric
| Measure | The Waterford Commercial and Savings Bank | Wee Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 62 |
| Capital cushion | 86 (stronger) | 82 |
| Loan quality | 97 (stronger) | 15 |
| Earnings | 52 (stronger) | 51 |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 88 |
| Peer percentile | 73rd | 24th |
| Total assets | $60.0M | $29.0M |
| Deposits / shares | $52.1M | $24.9M |
| Capital ratio | 13.60% (stronger) | 13.16% |
| Problem loans | 0.09% (stronger) | 2.56% |
| Net charge-offs | -0.13% (stronger) | 0.01% |
| Return on assets | 0.80% (stronger) | 0.77% |
| Loans ÷ deposits | 78.2% | 35.1% (stronger) |
| Uninsured deposits | 9.9% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | — |
The Waterford Commercial and Savings Bank has the higher TellerScore (83 vs 62). On the 7 directional measures above (where higher or lower is clearly better), The Waterford Commercial and Savings Bank leads on 5 and Wee Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.