Side-by-side · Q2 2026 data
Woodsfield Savings Bank vs Southeastern Ohio Credit Union
Metric by metric
| Measure | Woodsfield Savings Bank | Southeastern Ohio Credit Union |
|---|---|---|
| TellerScore | 61 | 78 (stronger) |
| Capital cushion | 36 | 71 (stronger) |
| Loan quality | 69 (stronger) | 66 |
| Earnings | 64 | 80 (stronger) |
| Funding & liquidity | 82 | 98 (stronger) |
| Problem-loan coverage | 83 | 91 (stronger) |
| Peer percentile | 20th | 59th |
| Total assets | $123.3M | $65.4M |
| Deposits / shares | $112.7M | $56.9M |
| Capital ratio | 8.61% | 12.08% (stronger) |
| Problem loans | 0.92% (stronger) | 1.03% |
| Net charge-offs | 0.06% (stronger) | 0.68% |
| Return on assets | 1.10% | 1.49% (stronger) |
| Loans ÷ deposits | 78.5% | 61.9% (stronger) |
| Uninsured deposits | 10.4% | 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 61). On the 7 directional measures above (where higher or lower is clearly better), Woodsfield Savings Bank leads on 2 and Southeastern Ohio Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.