Side-by-side · Q2 2026 data
Members Credit Union vs Mountain Credit Union
Credit union
Members Credit Union
Winston Salem, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Members Credit Union | Mountain Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 70 |
| Capital cushion | 98 (stronger) | 62 |
| Loan quality | 73 | 78 (stronger) |
| Earnings | 62 (stronger) | 43 |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 87th | 51st |
| Total assets | $477.1M | $372.4M |
| Deposits / shares | $404.2M | $327.2M |
| Capital ratio | 14.83% (stronger) | 11.22% |
| Problem loans | 0.82% | 0.67% (stronger) |
| Net charge-offs | 1.39% | 0.52% (stronger) |
| Return on assets | 1.06% (stronger) | 0.59% |
| Loans ÷ deposits | 46.5% (stronger) | 65.4% |
| Uninsured deposits | 3.3% (stronger) | 6.6% |
| Offices | 16 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.0% |
Members Credit Union has the higher TellerScore (85 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Members Credit Union leads on 5 and Mountain Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.