Side-by-side · Q2 2026 data
Unified Bank vs First Choice America Community Federal Credit Union
Credit union
First Choice America Community Federal Credit Union
Weirton, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | Unified Bank | First Choice America Community Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 96 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 57 | 95 (stronger) |
| Earnings | 75 | 87 (stronger) |
| Funding & liquidity | 89 | 100 (stronger) |
| Problem-loan coverage | 78 | 100 (stronger) |
| Peer percentile | 22nd | 99th |
| Total assets | $871.7M | $713.9M |
| Deposits / shares | $702.1M | $581.8M |
| Capital ratio | 8.99% | 18.15% (stronger) |
| Problem loans | 1.29% | 0.15% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.38% | 1.67% (stronger) |
| Loans ÷ deposits | 70.1% | 23.3% (stronger) |
| Uninsured deposits | 16.0% | 13.2% (stronger) |
| Offices | 19 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.8% | 12.8% |
First Choice America Community Federal Credit Union has the higher TellerScore (96 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Unified Bank leads on 0 and First Choice America Community Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.