Side-by-side · Q2 2026 data
Williamstown Bank, Inc. vs Southeastern Ohio Credit Union
Metric by metric
| Measure | Williamstown Bank, Inc. | Southeastern Ohio Credit Union |
|---|---|---|
| TellerScore | 66 | 78 (stronger) |
| Capital cushion | 51 | 71 (stronger) |
| Loan quality | 88 (stronger) | 66 |
| Earnings | 44 | 80 (stronger) |
| Funding & liquidity | 72 | 98 (stronger) |
| Problem-loan coverage | 94 (stronger) | 91 |
| Peer percentile | 31st | 59th |
| Total assets | $236.7M | $65.4M |
| Deposits / shares | $212.3M | $56.9M |
| Capital ratio | 10.14% | 12.08% (stronger) |
| Problem loans | 0.37% (stronger) | 1.03% |
| Net charge-offs | 0.07% (stronger) | 0.68% |
| Return on assets | 0.60% | 1.49% (stronger) |
| Loans ÷ deposits | 88.1% | 61.9% (stronger) |
| Uninsured deposits | 8.2% | 0.0% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.1% | — |
Southeastern Ohio Credit Union has the higher TellerScore (78 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Williamstown Bank, Inc. leads on 2 and Southeastern Ohio Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.