Side-by-side · Q2 2026 data
Mountain Heritage Federal Credit Union vs Element Federal Credit Union
Credit union
Mountain Heritage Federal Credit Union
Parkersburg, West Virginia · Under $100 million in assets
Credit union
Element Federal Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Mountain Heritage Federal Credit Union | Element Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 76 (stronger) |
| Capital cushion | 95 | 100 (stronger) |
| Loan quality | 0 | 54 (stronger) |
| Earnings | 26 | 56 (stronger) |
| Funding & liquidity | 88 (stronger) | 82 |
| Problem-loan coverage | 72 | 90 (stronger) |
| Peer percentile | 13th | 54th |
| Total assets | $47.0M | $47.3M |
| Deposits / shares | $39.9M | $36.6M |
| Capital ratio | 14.52% | 21.80% (stronger) |
| Problem loans | 3.24% | 1.38% (stronger) |
| Net charge-offs | 2.08% | 0.42% (stronger) |
| Return on assets | 0.15% | 0.90% (stronger) |
| Loans ÷ deposits | 72.7% (stronger) | 78.1% |
| Uninsured deposits | 0.5% (stronger) | 4.1% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Element Federal Credit Union has the higher TellerScore (76 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Mountain Heritage Federal Credit Union leads on 2 and Element Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.