Side-by-side · Q2 2026 data
West Metro Schools Credit Union vs Virginia Coop Credit Union
Credit union
West Metro Schools Credit Union
Hopkins, Minnesota · Under $100 million in assets
Metric by metric
| Measure | West Metro Schools Credit Union | Virginia Coop Credit Union |
|---|---|---|
| TellerScore | 65 | 78 (stronger) |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 4 | 71 (stronger) |
| Earnings | 54 | 79 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 86 | 92 (stronger) |
| Peer percentile | 30th | 59th |
| Total assets | $43.6M | $45.7M |
| Deposits / shares | $35.7M | $40.6M |
| Capital ratio | 17.85% (stronger) | 11.55% |
| Problem loans | 2.87% | 0.86% (stronger) |
| Net charge-offs | 0.75% | 0.18% (stronger) |
| Return on assets | 0.84% | 1.48% (stronger) |
| Loans ÷ deposits | 54.9% (stronger) | 56.5% |
| Uninsured deposits | 1.0% (stronger) | 3.3% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Virginia Coop Credit Union has the higher TellerScore (78 vs 65). On the 7 directional measures above (where higher or lower is clearly better), West Metro Schools Credit Union leads on 3 and Virginia Coop Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.