Side-by-side · Q2 2026 data
Universal Federal Credit Union vs The State Credit Union
Credit union
Universal Federal Credit Union
Huntington, West Virginia · Under $100 million in assets
Credit union
The State Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Universal Federal Credit Union | The State Credit Union |
|---|---|---|
| TellerScore | 78 | 90 (stronger) |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 85 | 92 (stronger) |
| Earnings | 38 | 71 (stronger) |
| Funding & liquidity | 100 (stronger) | 89 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 59th | 89th |
| Total assets | $99.5M | $95.3M |
| Deposits / shares | $85.6M | $75.7M |
| Capital ratio | 13.03% | 19.12% (stronger) |
| Problem loans | 0.46% | 0.25% (stronger) |
| Net charge-offs | -0.01% (stronger) | -0.00% |
| Return on assets | 0.45% | 1.26% (stronger) |
| Loans ÷ deposits | 30.3% (stronger) | 71.2% |
| Uninsured deposits | 4.0% | 1.9% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.7% | 0.0% |
The State Credit Union has the higher TellerScore (90 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Universal Federal Credit Union leads on 2 and The State Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.