Side-by-side · Q2 2026 data
Willow Island Federal Credit Union vs West Virginia Central Federal Credit Union
Credit union
Willow Island Federal Credit Union
Saint Marys, West Virginia · Under $100 million in assets
Credit union
West Virginia Central Federal Credit Union
Parkersburg, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | Willow Island Federal Credit Union | West Virginia Central Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 76 (stronger) |
| Capital cushion | 29 | 82 (stronger) |
| Loan quality | 76 (stronger) | 71 |
| Earnings | 36 | 62 (stronger) |
| Funding & liquidity | 71 | 83 (stronger) |
| Problem-loan coverage | 85 | 91 (stronger) |
| Peer percentile | 13th | 68th |
| Total assets | $12.0M | $341.3M |
| Deposits / shares | $11.0M | $295.3M |
| Capital ratio | 7.94% | 13.23% (stronger) |
| Problem loans | 0.72% (stronger) | 0.87% |
| Net charge-offs | 0.43% | 0.14% (stronger) |
| Return on assets | 0.40% | 1.06% (stronger) |
| Loans ÷ deposits | 89.7% | 77.6% (stronger) |
| Uninsured deposits | 3.2% (stronger) | 4.8% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Virginia Central Federal Credit Union has the higher TellerScore (76 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Willow Island Federal Credit Union leads on 2 and West Virginia Central 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.