Side-by-side · Q2 2026 data
Washington Financial Bank vs First Choice America Community Federal Credit Union
Credit union
First Choice America Community Federal Credit Union
Weirton, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | Washington Financial Bank | First Choice America Community Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 96 (stronger) |
| Capital cushion | 97 | 100 (stronger) |
| Loan quality | 85 | 95 (stronger) |
| Earnings | 66 | 87 (stronger) |
| Funding & liquidity | 51 | 100 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 91st | 99th |
| Total assets | $1.4B | $713.9M |
| Deposits / shares | $1.2B | $581.8M |
| Capital ratio | 14.75% | 18.15% (stronger) |
| Problem loans | 0.46% | 0.15% (stronger) |
| Net charge-offs | 0.57% | 0.00% (stronger) |
| Return on assets | 1.15% | 1.67% (stronger) |
| Loans ÷ deposits | 87.2% | 23.3% (stronger) |
| Uninsured deposits | 34.8% | 13.2% (stronger) |
| Offices | 10 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.0% | 12.8% |
First Choice America Community Federal Credit Union has the higher TellerScore (96 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Washington Financial Bank leads on 0 and First Choice America Community Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.