Side-by-side · Q2 2026 data
First Bank of Ohio vs Mountain Heritage Federal Credit Union
Credit union
Mountain Heritage Federal Credit Union
Parkersburg, West Virginia · Under $100 million in assets
Metric by metric
| Measure | First Bank of Ohio | Mountain Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 54 |
| Capital cushion | 100 (stronger) | 95 |
| Loan quality | 91 (stronger) | 0 |
| Earnings | 98 (stronger) | 26 |
| Funding & liquidity | 50 | 88 (stronger) |
| Problem-loan coverage | 99 (stronger) | 72 |
| Peer percentile | 95th | 13th |
| Total assets | $278.4M | $47.0M |
| Deposits / shares | $176.2M | $39.9M |
| Capital ratio | 35.51% (stronger) | 14.52% |
| Problem loans | 0.26% (stronger) | 3.24% |
| Net charge-offs | 1.43% (stronger) | 2.08% |
| Return on assets | 1.96% (stronger) | 0.15% |
| Loans ÷ deposits | 107.4% | 72.7% (stronger) |
| Uninsured deposits | 17.3% | 0.5% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Bank of Ohio has the higher TellerScore (90 vs 54). On the 7 directional measures above (where higher or lower is clearly better), First Bank of Ohio leads on 5 and Mountain Heritage Federal Credit Union on 2. 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.