Side-by-side · Q2 2026 data
First Federal Savings and Loan Association vs Morehead Community Federal Credit Union
Bank
First Federal Savings and Loan Association
Morehead, Kentucky · Under $100 million in assets
Credit union
Morehead Community Federal Credit Union
Morehead, Kentucky · Under $100 million in assets
Metric by metric
| Measure | First Federal Savings and Loan Association | Morehead Community Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 88 (stronger) |
| Capital cushion | 100 (stronger) | 85 |
| Loan quality | 0 | 83 (stronger) |
| Earnings | 42 | 86 (stronger) |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 79 | 97 (stronger) |
| Peer percentile | 13th | 85th |
| Total assets | $41.3M | $65.1M |
| Deposits / shares | $30.3M | $56.0M |
| Capital ratio | 25.61% (stronger) | 13.49% |
| Problem loans | 3.07% | 0.50% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.21% |
| Return on assets | 0.54% | 1.65% (stronger) |
| Loans ÷ deposits | 120.1% | 49.9% (stronger) |
| Uninsured deposits | 4.6% (stronger) | 5.4% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Morehead Community Federal Credit Union has the higher TellerScore (88 vs 54). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings and Loan Association leads on 3 and Morehead Community Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.