Side-by-side · Q2 2026 data
Williamstown Bank, Inc. vs Union Trades Federal Credit Union
Credit union
Union Trades Federal Credit Union
Parkersburg, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Williamstown Bank, Inc. | Union Trades Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 84 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 88 (stronger) | 69 |
| Earnings | 44 | 61 (stronger) |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 31st | 75th |
| Total assets | $236.7M | $34.4M |
| Deposits / shares | $212.3M | $27.9M |
| Capital ratio | 10.14% | 18.44% (stronger) |
| Problem loans | 0.37% (stronger) | 0.92% |
| Net charge-offs | 0.07% (stronger) | 0.61% |
| Return on assets | 0.60% | 1.03% (stronger) |
| Loans ÷ deposits | 88.1% | 34.3% (stronger) |
| Uninsured deposits | 8.2% | 5.1% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.1% | — |
Union Trades Federal Credit Union has the higher TellerScore (84 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Williamstown Bank, Inc. leads on 2 and Union Trades Federal Credit Union on 5. 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.