Side-by-side · Q2 2026 data
Home Federal Credit Union vs Morgantown a E S Federal Credit Union
Credit union
Morgantown a E S Federal Credit Union
Morgantown, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Home Federal Credit Union | Morgantown a E S Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 67 |
| Capital cushion | 93 (stronger) | 47 |
| Loan quality | 70 | 84 (stronger) |
| Earnings | 45 (stronger) | 37 |
| Funding & liquidity | 86 | 99 (stronger) |
| Problem-loan coverage | 92 | 95 (stronger) |
| Peer percentile | 57th | 34th |
| Total assets | $38.4M | $37.7M |
| Deposits / shares | $32.8M | $33.7M |
| Capital ratio | 14.33% (stronger) | 9.73% |
| Problem loans | 0.89% | 0.49% (stronger) |
| Net charge-offs | 0.31% | -0.04% (stronger) |
| Return on assets | 0.62% (stronger) | 0.44% |
| Loans ÷ deposits | 74.4% | 60.9% (stronger) |
| Uninsured deposits | 5.9% | 2.9% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Home Federal Credit Union has the higher TellerScore (77 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Home Federal Credit Union leads on 3 and Morgantown a E S Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.