Side-by-side · Q2 2026 data
U S Employees Federal Credit Union vs McDowell County Federal Credit Union
Credit union
U S Employees Federal Credit Union
Fairmont, West Virginia · Under $100 million in assets
Credit union
McDowell County Federal Credit Union
Welch, West Virginia · Under $100 million in assets
Metric by metric
| Measure | U S Employees Federal Credit Union | McDowell County Federal Credit Union |
|---|---|---|
| TellerScore | 32 | 88 (stronger) |
| Capital cushion | 27 | 100 (stronger) |
| Loan quality | 2 | 100 (stronger) |
| Earnings | 0 | 40 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 1st | 85th |
| Total assets | $526K | $68K |
| Deposits / shares | $484K | $52K |
| Capital ratio | 7.73% | 23.60% (stronger) |
| Problem loans | 2.94% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | -4.00% | 0.50% (stronger) |
| Loans ÷ deposits | 23.6% | 12.9% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
McDowell County Federal Credit Union has the higher TellerScore (88 vs 32). On the 5 directional measures above (where higher or lower is clearly better), U S Employees Federal Credit Union leads on 0 and McDowell County Federal Credit Union on 5. 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.