Side-by-side · Q2 2026 data
MCNB Bank and Trust Co. vs McDowell County Federal Credit Union
Credit union
McDowell County Federal Credit Union
Welch, West Virginia · Under $100 million in assets
Metric by metric
| Measure | MCNB Bank and Trust Co. | McDowell County Federal Credit Union |
|---|---|---|
| TellerScore | 50 | 88 (stronger) |
| Capital cushion | 73 | 100 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 55 (stronger) | 40 |
| Funding & liquidity | 73 | 100 (stronger) |
| Problem-loan coverage | 62 | 100 (stronger) |
| Peer percentile | 7th | 85th |
| Total assets | $356.5M | $68K |
| Deposits / shares | $292.2M | $52K |
| Capital ratio | 12.29% | 23.60% (stronger) |
| Problem loans | 3.22% | 0.00% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 0.87% (stronger) | 0.50% |
| Loans ÷ deposits | 86.1% | 12.9% (stronger) |
| Uninsured deposits | 15.8% | 0.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.8% | — |
McDowell County Federal Credit Union has the higher TellerScore (88 vs 50). On the 7 directional measures above (where higher or lower is clearly better), MCNB Bank and Trust Co. leads on 1 and McDowell County Federal Credit Union on 6. 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.