Side-by-side · Q2 2026 data
Universal Federal Credit Union vs Members Choice Wv Federal Credit Union
Credit union
Universal Federal Credit Union
Huntington, West Virginia · Under $100 million in assets
Credit union
Members Choice Wv Federal Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Universal Federal Credit Union | Members Choice Wv Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 81 (stronger) |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 85 (stronger) | 66 |
| Earnings | 38 | 50 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 59th | 68th |
| Total assets | $99.5M | $93.6M |
| Deposits / shares | $85.6M | $73.2M |
| Capital ratio | 13.03% | 21.63% (stronger) |
| Problem loans | 0.46% (stronger) | 1.03% |
| Net charge-offs | -0.01% (stronger) | 0.20% |
| Return on assets | 0.45% | 0.74% (stronger) |
| Loans ÷ deposits | 30.3% (stronger) | 60.6% |
| Uninsured deposits | 4.0% | 1.9% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.7% | 2.5% |
Members Choice Wv Federal Credit Union has the higher TellerScore (81 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Universal Federal Credit Union leads on 3 and Members Choice Wv Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.