Side-by-side · Q2 2026 data
West Virginia Central Federal Credit Union vs Southeastern Ohio Credit Union
Credit union
West Virginia Central Federal Credit Union
Parkersburg, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | West Virginia Central Federal Credit Union | Southeastern Ohio Credit Union |
|---|---|---|
| TellerScore | 76 | 78 (stronger) |
| Capital cushion | 82 (stronger) | 71 |
| Loan quality | 71 (stronger) | 66 |
| Earnings | 62 | 80 (stronger) |
| Funding & liquidity | 83 | 98 (stronger) |
| Problem-loan coverage | 91 | 91 |
| Peer percentile | 68th | 59th |
| Total assets | $341.3M | $65.4M |
| Deposits / shares | $295.3M | $56.9M |
| Capital ratio | 13.23% (stronger) | 12.08% |
| Problem loans | 0.87% (stronger) | 1.03% |
| Net charge-offs | 0.14% (stronger) | 0.68% |
| Return on assets | 1.06% | 1.49% (stronger) |
| Loans ÷ deposits | 77.6% | 61.9% (stronger) |
| Uninsured deposits | 4.8% | 0.0% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southeastern Ohio Credit Union has the higher TellerScore (78 vs 76). On the 7 directional measures above (where higher or lower is clearly better), West Virginia Central Federal Credit Union leads on 3 and Southeastern Ohio 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.