Side-by-side · Q2 2026 data
Union Trades Federal Credit Union vs West Virginia Central Federal Credit Union
Credit union
Union Trades Federal Credit Union
Parkersburg, West Virginia · Under $100 million in assets
Credit union
West Virginia Central Federal Credit Union
Parkersburg, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | Union Trades Federal Credit Union | West Virginia Central Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 82 |
| Loan quality | 69 | 71 (stronger) |
| Earnings | 61 | 62 (stronger) |
| Funding & liquidity | 100 (stronger) | 83 |
| Problem-loan coverage | 97 (stronger) | 91 |
| Peer percentile | 75th | 68th |
| Total assets | $34.4M | $341.3M |
| Deposits / shares | $27.9M | $295.3M |
| Capital ratio | 18.44% (stronger) | 13.23% |
| Problem loans | 0.92% | 0.87% (stronger) |
| Net charge-offs | 0.61% | 0.14% (stronger) |
| Return on assets | 1.03% | 1.06% (stronger) |
| Loans ÷ deposits | 34.3% (stronger) | 77.6% |
| Uninsured deposits | 5.1% | 4.8% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Union Trades Federal Credit Union has the higher TellerScore (84 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Union Trades Federal Credit Union leads on 3 and West Virginia Central Federal Credit Union on 4. 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.