Side-by-side · Q2 2026 data
Morganton Savings Bank, S.S.B. vs Summit Credit Union
Metric by metric
| Measure | Morganton Savings Bank, S.S.B. | Summit Credit Union |
|---|---|---|
| TellerScore | 81 | 82 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 93 (stronger) | 76 |
| Earnings | 35 | 56 (stronger) |
| Funding & liquidity | 72 | 82 (stronger) |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 80th | 82nd |
| Total assets | $114.5M | $368.8M |
| Deposits / shares | $77.7M | $298.4M |
| Capital ratio | 25.46% (stronger) | 15.44% |
| Problem loans | 0.21% (stronger) | 0.71% |
| Net charge-offs | 0.00% (stronger) | 1.22% |
| Return on assets | 0.37% | 0.91% (stronger) |
| Loans ÷ deposits | 84.7% | 78.3% (stronger) |
| Uninsured deposits | 18.3% | 11.0% (stronger) |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Summit Credit Union has the higher TellerScore (82 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Morganton Savings Bank, S.S.B. leads on 3 and Summit Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.