Side-by-side · Q2 2026 data
M C Bank & Trust Company vs Morgan City Federal Credit Union
Credit union
Morgan City Federal Credit Union
Morgan City, Louisiana · Under $100 million in assets
Metric by metric
| Measure | M C Bank & Trust Company | Morgan City Federal Credit Union |
|---|---|---|
| TellerScore | 47 | 84 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 0 | 32 (stronger) |
| Funding & liquidity | 56 | 86 (stronger) |
| Problem-loan coverage | 82 | 100 (stronger) |
| Peer percentile | 5th | 75th |
| Total assets | $710.0M | $4.8M |
| Deposits / shares | $480.6M | $4.0M |
| Capital ratio | 42.96% (stronger) | 16.68% |
| Problem loans | 5.84% | 0.00% (stronger) |
| Net charge-offs | 0.76% | 0.47% (stronger) |
| Return on assets | -2.56% | 0.29% (stronger) |
| Loans ÷ deposits | 71.1% (stronger) | 74.1% |
| Uninsured deposits | 44.6% | 0.0% (stronger) |
| Offices | 15 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.3% | — |
Morgan City Federal Credit Union has the higher TellerScore (84 vs 47). On the 7 directional measures above (where higher or lower is clearly better), M C Bank & Trust Company leads on 2 and Morgan City Federal Credit Union on 5. 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.