Side-by-side · Q2 2026 data
W T Community Federal Credit Union vs St. James Parish Credit Union
Credit union
W T Community Federal Credit Union
Cincinnati, Ohio · Under $100 million in assets
Metric by metric
| Measure | W T Community Federal Credit Union | St. James Parish Credit Union |
|---|---|---|
| TellerScore | 66 | 90 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 13 | 72 (stronger) |
| Funding & liquidity | 100 (stronger) | 68 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 32nd | 89th |
| Total assets | $4.6M | $5.9M |
| Deposits / shares | $4.1M | $4.4M |
| Capital ratio | 9.77% | 21.83% (stronger) |
| Problem loans | 0.09% | 0.00% (stronger) |
| Net charge-offs | 0.55% (stronger) | 0.66% |
| Return on assets | -0.17% | 1.29% (stronger) |
| Loans ÷ deposits | 57.7% (stronger) | 92.4% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. James Parish Credit Union has the higher TellerScore (90 vs 66). On the 6 directional measures above (where higher or lower is clearly better), W T Community Federal Credit Union leads on 2 and St. James Parish Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.