Side-by-side · Q2 2026 data
West Branch Valley Federal Credit Union vs Service 1st Federal Credit Union
Credit union
West Branch Valley Federal Credit Union
Williamsport, Pennsylvania · Under $100 million in assets
Credit union
Service 1st Federal Credit Union
Danville, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | West Branch Valley Federal Credit Union | Service 1st Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 71 |
| Capital cushion | 46 | 61 (stronger) |
| Loan quality | 93 (stronger) | 84 |
| Earnings | 69 (stronger) | 64 |
| Funding & liquidity | 86 (stronger) | 62 |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 47th | 54th |
| Total assets | $50.8M | $837.1M |
| Deposits / shares | $45.4M | $745.4M |
| Capital ratio | 9.57% | 11.10% (stronger) |
| Problem loans | 0.21% (stronger) | 0.49% |
| Net charge-offs | 0.30% (stronger) | 0.46% |
| Return on assets | 1.22% (stronger) | 1.10% |
| Loans ÷ deposits | 74.3% (stronger) | 98.3% |
| Uninsured deposits | 2.8% (stronger) | 13.1% |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Branch Valley Federal Credit Union has the higher TellerScore (73 vs 71). On the 7 directional measures above (where higher or lower is clearly better), West Branch Valley Federal Credit Union leads on 6 and Service 1st Federal Credit Union on 1. 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.