Side-by-side · Q2 2026 data
West Branch Valley Federal Credit Union vs Moonlight Federal Credit Union
Credit union
West Branch Valley Federal Credit Union
Williamsport, Pennsylvania · Under $100 million in assets
Credit union
Moonlight Federal Credit Union
Worthington, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | West Branch Valley Federal Credit Union | Moonlight Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 94 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 93 | 98 (stronger) |
| Earnings | 69 | 91 (stronger) |
| Funding & liquidity | 86 (stronger) | 74 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 47th | 95th |
| Total assets | $50.8M | $53.6M |
| Deposits / shares | $45.4M | $44.1M |
| Capital ratio | 9.57% | 17.94% (stronger) |
| Problem loans | 0.21% | 0.06% (stronger) |
| Net charge-offs | 0.30% | 0.07% (stronger) |
| Return on assets | 1.22% | 1.78% (stronger) |
| Loans ÷ deposits | 74.3% (stronger) | 86.5% |
| Uninsured deposits | 2.8% | 0.6% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Moonlight Federal Credit Union has the higher TellerScore (94 vs 73). On the 7 directional measures above (where higher or lower is clearly better), West Branch Valley Federal Credit Union leads on 1 and Moonlight Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.