Side-by-side · Q2 2026 data
U S Employees Federal Credit Union vs City of Fairmont Federal Credit Union
Credit union
U S Employees Federal Credit Union
Fairmont, West Virginia · Under $100 million in assets
Credit union
City of Fairmont Federal Credit Union
Fairmont, West Virginia · Under $100 million in assets
Metric by metric
| Measure | U S Employees Federal Credit Union | City of Fairmont Federal Credit Union |
|---|---|---|
| TellerScore | 32 | 48 (stronger) |
| Capital cushion | 27 | 59 (stronger) |
| Loan quality | 2 (stronger) | 0 |
| Earnings | 0 | 79 (stronger) |
| Funding & liquidity | 100 (stronger) | 87 |
| Problem-loan coverage | 88 (stronger) | 16 |
| Peer percentile | 1st | 7th |
| Total assets | $526K | $1.4M |
| Deposits / shares | $484K | $1.2M |
| Capital ratio | 7.73% | 10.86% (stronger) |
| Problem loans | 2.94% (stronger) | 9.25% |
| Net charge-offs | 0.00% | -2.20% (stronger) |
| Return on assets | -4.00% | 1.46% (stronger) |
| Loans ÷ deposits | 23.6% (stronger) | 73.0% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
City of Fairmont Federal Credit Union has the higher TellerScore (48 vs 32). On the 6 directional measures above (where higher or lower is clearly better), U S Employees Federal Credit Union leads on 2 and City of Fairmont Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.