Side-by-side · Q2 2026 data
Whitesville State Bank vs Celco Community Federal Credit Union
Credit union
Celco Community Federal Credit Union
Narrows, Virginia · $100 million – $1 billion
Metric by metric
| Measure | Whitesville State Bank | Celco Community Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 85 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 78 (stronger) | 56 |
| Earnings | 41 | 85 (stronger) |
| Funding & liquidity | 92 | 95 (stronger) |
| Problem-loan coverage | 87 | 93 (stronger) |
| Peer percentile | 29th | 87th |
| Total assets | $137.6M | $143.9M |
| Deposits / shares | $126.3M | $113.2M |
| Capital ratio | 9.96% | 20.92% (stronger) |
| Problem loans | 0.65% (stronger) | 1.33% |
| Net charge-offs | 0.18% | 0.15% (stronger) |
| Return on assets | 0.53% | 1.62% (stronger) |
| Loans ÷ deposits | 59.8% (stronger) | 65.3% |
| Uninsured deposits | 22.8% | 5.3% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.1% | 12.1% |
Celco Community Federal Credit Union has the higher TellerScore (85 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Whitesville State Bank leads on 2 and Celco Community Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.