Side-by-side · Q2 2026 data
Morganton Savings Bank, S.S.B. vs Telco Community Credit Union
Metric by metric
| Measure | Morganton Savings Bank, S.S.B. | Telco Community Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 74 |
| Loan quality | 93 (stronger) | 59 |
| Earnings | 35 | 75 (stronger) |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 89 |
| Peer percentile | 80th | 68th |
| Total assets | $114.5M | $429.3M |
| Deposits / shares | $77.7M | $371.1M |
| Capital ratio | 25.46% (stronger) | 12.43% |
| Problem loans | 0.21% (stronger) | 1.23% |
| Net charge-offs | 0.00% (stronger) | 0.16% |
| Return on assets | 0.37% | 1.39% (stronger) |
| Loans ÷ deposits | 84.7% | 60.6% (stronger) |
| Uninsured deposits | 18.3% | 8.1% (stronger) |
| Offices | 1 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.6% |
Morganton Savings Bank, S.S.B. has the higher TellerScore (81 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Morganton Savings Bank, S.S.B. leads on 4 and Telco Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.