Side-by-side · Q2 2026 data
W B H Employees Federal Credit Union vs Signet Federal Credit Union
Credit union
W B H Employees Federal Credit Union
Paducah, Kentucky · Under $100 million in assets
Metric by metric
| Measure | W B H Employees Federal Credit Union | Signet Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 82 (stronger) |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 98 (stronger) | 64 |
| Earnings | 0 | 65 (stronger) |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 93 (stronger) | 92 |
| Peer percentile | 47th | 82nd |
| Total assets | $17.6M | $398.2M |
| Deposits / shares | $15.1M | $332.1M |
| Capital ratio | 12.98% | 16.64% (stronger) |
| Problem loans | 0.05% (stronger) | 1.07% |
| Net charge-offs | 2.54% | 0.28% (stronger) |
| Return on assets | -1.75% | 1.13% (stronger) |
| Loans ÷ deposits | 48.1% (stronger) | 68.2% |
| Uninsured deposits | 0.7% (stronger) | 9.9% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Signet Federal Credit Union has the higher TellerScore (82 vs 73). On the 7 directional measures above (where higher or lower is clearly better), W B H Employees Federal Credit Union leads on 3 and Signet 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.