Side-by-side · Q2 2026 data
Mountain Heritage Federal Credit Union vs Wv National Guard Federal Credit Union
Credit union
Mountain Heritage Federal Credit Union
Parkersburg, West Virginia · Under $100 million in assets
Credit union
Wv National Guard Federal Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Mountain Heritage Federal Credit Union | Wv National Guard Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 98 (stronger) |
| Capital cushion | 95 | 98 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 26 | 93 (stronger) |
| Funding & liquidity | 88 | 100 (stronger) |
| Problem-loan coverage | 72 | 100 (stronger) |
| Peer percentile | 13th | 98th |
| Total assets | $47.0M | $51.6M |
| Deposits / shares | $39.9M | $43.8M |
| Capital ratio | 14.52% | 14.81% (stronger) |
| Problem loans | 3.24% | 0.00% (stronger) |
| Net charge-offs | 2.08% | 0.00% (stronger) |
| Return on assets | 0.15% | 1.82% (stronger) |
| Loans ÷ deposits | 72.7% | 57.5% (stronger) |
| Uninsured deposits | 0.5% (stronger) | 12.4% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wv National Guard Federal Credit Union has the higher TellerScore (98 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Mountain Heritage Federal Credit Union leads on 1 and Wv National Guard Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.