Side-by-side · Q2 2026 data
W T Community Federal Credit Union vs Columbiana County School Empl Credit Union
Credit union
W T Community Federal Credit Union
Cincinnati, Ohio · Under $100 million in assets
Credit union
Columbiana County School Empl Credit Union
Lisbon, Ohio · Under $100 million in assets
Metric by metric
| Measure | W T Community Federal Credit Union | Columbiana County School Empl Credit Union |
|---|---|---|
| TellerScore | 66 | 74 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 97 (stronger) | 78 |
| Earnings | 13 (stronger) | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 32nd | 49th |
| Total assets | $4.6M | $6.0M |
| Deposits / shares | $4.1M | $4.4M |
| Capital ratio | 9.77% | 25.39% (stronger) |
| Problem loans | 0.09% (stronger) | 0.65% |
| Net charge-offs | 0.55% (stronger) | 1.21% |
| Return on assets | -0.17% (stronger) | -6.39% |
| Loans ÷ deposits | 57.7% | 44.8% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 1.7% |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Columbiana County School Empl Credit Union has the higher TellerScore (74 vs 66). On the 7 directional measures above (where higher or lower is clearly better), W T Community Federal Credit Union leads on 4 and Columbiana County School Empl Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.