Side-by-side · Q2 2026 data
West Virginia Federal Credit Union vs Element Federal Credit Union
Credit union
West Virginia Federal Credit Union
South Charlesto, West Virginia · $100 million – $1 billion
Credit union
Element Federal Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | West Virginia Federal Credit Union | Element Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 76 |
| Capital cushion | 100 | 100 |
| Loan quality | 75 (stronger) | 54 |
| Earnings | 76 (stronger) | 56 |
| Funding & liquidity | 93 (stronger) | 82 |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 92nd | 54th |
| Total assets | $141.6M | $47.3M |
| Deposits / shares | $114.2M | $36.6M |
| Capital ratio | 18.52% | 21.80% (stronger) |
| Problem loans | 0.74% (stronger) | 1.38% |
| Net charge-offs | 0.18% (stronger) | 0.42% |
| Return on assets | 1.40% (stronger) | 0.90% |
| Loans ÷ deposits | 67.3% (stronger) | 78.1% |
| Uninsured deposits | 3.3% (stronger) | 4.1% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | — |
West Virginia Federal Credit Union has the higher TellerScore (88 vs 76). On the 7 directional measures above (where higher or lower is clearly better), West Virginia Federal Credit Union leads on 6 and Element Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.