Side-by-side · Q2 2026 data
Willow Island Federal Credit Union vs Southeastern Ohio Credit Union
Credit union
Willow Island Federal Credit Union
Saint Marys, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Willow Island Federal Credit Union | Southeastern Ohio Credit Union |
|---|---|---|
| TellerScore | 54 | 78 (stronger) |
| Capital cushion | 29 | 71 (stronger) |
| Loan quality | 76 (stronger) | 66 |
| Earnings | 36 | 80 (stronger) |
| Funding & liquidity | 71 | 98 (stronger) |
| Problem-loan coverage | 85 | 91 (stronger) |
| Peer percentile | 13th | 59th |
| Total assets | $12.0M | $65.4M |
| Deposits / shares | $11.0M | $56.9M |
| Capital ratio | 7.94% | 12.08% (stronger) |
| Problem loans | 0.72% (stronger) | 1.03% |
| Net charge-offs | 0.43% (stronger) | 0.68% |
| Return on assets | 0.40% | 1.49% (stronger) |
| Loans ÷ deposits | 89.7% | 61.9% (stronger) |
| Uninsured deposits | 3.2% | 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 54). On the 7 directional measures above (where higher or lower is clearly better), Willow Island Federal Credit Union leads on 2 and Southeastern Ohio 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.