Side-by-side · Q2 2026 data
Mountain Heritage Federal Credit Union vs Union Trades Federal Credit Union
Credit union
Mountain Heritage Federal Credit Union
Parkersburg, West Virginia · Under $100 million in assets
Credit union
Union Trades Federal Credit Union
Parkersburg, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Mountain Heritage Federal Credit Union | Union Trades Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 84 (stronger) |
| Capital cushion | 95 | 100 (stronger) |
| Loan quality | 0 | 69 (stronger) |
| Earnings | 26 | 61 (stronger) |
| Funding & liquidity | 88 | 100 (stronger) |
| Problem-loan coverage | 72 | 97 (stronger) |
| Peer percentile | 13th | 75th |
| Total assets | $47.0M | $34.4M |
| Deposits / shares | $39.9M | $27.9M |
| Capital ratio | 14.52% | 18.44% (stronger) |
| Problem loans | 3.24% | 0.92% (stronger) |
| Net charge-offs | 2.08% | 0.61% (stronger) |
| Return on assets | 0.15% | 1.03% (stronger) |
| Loans ÷ deposits | 72.7% | 34.3% (stronger) |
| Uninsured deposits | 0.5% (stronger) | 5.1% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Union Trades Federal Credit Union has the higher TellerScore (84 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Mountain Heritage Federal Credit Union leads on 1 and Union Trades Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.