Side-by-side · Q2 2026 data
MountainOne Bank vs Next Step Federal Credit Union
Metric by metric
| Measure | MountainOne Bank | Next Step Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 63 |
| Capital cushion | 97 (stronger) | 51 |
| Loan quality | 65 (stronger) | 43 |
| Earnings | 69 (stronger) | 68 |
| Funding & liquidity | 33 | 100 (stronger) |
| Problem-loan coverage | 89 (stronger) | 88 |
| Peer percentile | 70th | 29th |
| Total assets | $1.1B | $107.6M |
| Deposits / shares | $774.3M | $98.9M |
| Capital ratio | 14.75% (stronger) | 10.07% |
| Problem loans | 1.06% (stronger) | 1.72% |
| Net charge-offs | 0.16% (stronger) | 0.33% |
| Return on assets | 1.22% (stronger) | 1.20% |
| Loans ÷ deposits | 107.0% | 36.8% (stronger) |
| Uninsured deposits | 33.6% | 3.5% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.4% | — |
MountainOne Bank has the higher TellerScore (73 vs 63). On the 7 directional measures above (where higher or lower is clearly better), MountainOne Bank leads on 5 and Next Step Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.