Side-by-side · Q2 2026 data
Bank of the Mountains, Inc. vs Morehead Community Federal Credit Union
Credit union
Morehead Community Federal Credit Union
Morehead, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Bank of the Mountains, Inc. | Morehead Community Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 88 (stronger) |
| Capital cushion | 42 | 85 (stronger) |
| Loan quality | 81 | 83 (stronger) |
| Earnings | 51 | 86 (stronger) |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 92 | 97 (stronger) |
| Peer percentile | 26th | 85th |
| Total assets | $100.0M | $65.1M |
| Deposits / shares | $88.0M | $56.0M |
| Capital ratio | 9.23% | 13.49% (stronger) |
| Problem loans | 0.57% | 0.50% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.21% |
| Return on assets | 0.77% | 1.65% (stronger) |
| Loans ÷ deposits | 84.7% | 49.9% (stronger) |
| Uninsured deposits | 13.8% | 5.4% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Morehead Community Federal Credit Union has the higher TellerScore (88 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Bank of the Mountains, Inc. leads on 1 and Morehead Community Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.