Side-by-side · Q2 2026 data
West Branch Valley Federal Credit Union vs Lonza Federal Credit Union
Credit union
West Branch Valley Federal Credit Union
Williamsport, Pennsylvania · Under $100 million in assets
Credit union
Lonza Federal Credit Union
Williamsport, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | West Branch Valley Federal Credit Union | Lonza Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 57 |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 93 (stronger) | 13 |
| Earnings | 69 (stronger) | 0 |
| Funding & liquidity | 86 | 95 (stronger) |
| Problem-loan coverage | 97 (stronger) | 90 |
| Peer percentile | 47th | 17th |
| Total assets | $50.8M | $490K |
| Deposits / shares | $45.4M | $365K |
| Capital ratio | 9.57% | 25.35% (stronger) |
| Problem loans | 0.21% (stronger) | 2.61% |
| Net charge-offs | 0.30% | 0.00% (stronger) |
| Return on assets | 1.22% (stronger) | -0.69% |
| Loans ÷ deposits | 74.3% | 65.7% (stronger) |
| Uninsured deposits | 2.8% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Branch Valley Federal Credit Union has the higher TellerScore (73 vs 57). On the 7 directional measures above (where higher or lower is clearly better), West Branch Valley Federal Credit Union leads on 3 and Lonza 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.