Side-by-side · Q2 2026 data
Morganton Savings Bank, S.S.B. vs Nova Credit Union
Metric by metric
| Measure | Morganton Savings Bank, S.S.B. | Nova Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 79 |
| Capital cushion | 100 | 100 |
| Loan quality | 93 (stronger) | 81 |
| Earnings | 35 (stronger) | 34 |
| Funding & liquidity | 72 | 84 (stronger) |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 80th | 76th |
| Total assets | $114.5M | $120.7M |
| Deposits / shares | $77.7M | $99.5M |
| Capital ratio | 25.46% (stronger) | 17.65% |
| Problem loans | 0.21% (stronger) | 0.56% |
| Net charge-offs | 0.00% (stronger) | 0.35% |
| Return on assets | 0.37% (stronger) | 0.36% |
| Loans ÷ deposits | 84.7% | 76.7% (stronger) |
| Uninsured deposits | 18.3% | 3.0% (stronger) |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Morganton Savings Bank, S.S.B. has the higher TellerScore (81 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Morganton Savings Bank, S.S.B. leads on 5 and Nova Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.