Side-by-side · Q2 2026 data
Nantahala Bank & Trust Company vs Mountain Credit Union
Metric by metric
| Measure | Nantahala Bank & Trust Company | Mountain Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 70 |
| Capital cushion | 44 | 62 (stronger) |
| Loan quality | 89 (stronger) | 78 |
| Earnings | 79 (stronger) | 43 |
| Funding & liquidity | 81 | 95 (stronger) |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 53rd | 51st |
| Total assets | $288.8M | $372.4M |
| Deposits / shares | $260.4M | $327.2M |
| Capital ratio | 9.43% | 11.22% (stronger) |
| Problem loans | 0.32% (stronger) | 0.67% |
| Net charge-offs | 0.00% (stronger) | 0.52% |
| Return on assets | 1.47% (stronger) | 0.59% |
| Loans ÷ deposits | 74.0% | 65.4% (stronger) |
| Uninsured deposits | 19.7% | 6.6% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.0% |
Nantahala Bank & Trust Company has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Nantahala Bank & Trust Company leads on 4 and Mountain Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.