Side-by-side · Q2 2026 data
Owensboro Federal Credit Union vs Morehead Community Federal Credit Union
Credit union
Owensboro Federal Credit Union
Owensboro, Kentucky · Under $100 million in assets
Credit union
Morehead Community Federal Credit Union
Morehead, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Owensboro Federal Credit Union | Morehead Community Federal Credit Union |
|---|---|---|
| TellerScore | 88 | 88 |
| Capital cushion | 92 (stronger) | 85 |
| Loan quality | 91 (stronger) | 83 |
| Earnings | 62 | 86 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 85th | 85th |
| Total assets | $88.3M | $65.1M |
| Deposits / shares | $75.0M | $56.0M |
| Capital ratio | 14.21% (stronger) | 13.49% |
| Problem loans | 0.26% (stronger) | 0.50% |
| Net charge-offs | 0.16% (stronger) | 0.21% |
| Return on assets | 1.05% | 1.65% (stronger) |
| Loans ÷ deposits | 48.2% (stronger) | 49.9% |
| Uninsured deposits | 2.0% (stronger) | 5.4% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Owensboro Federal Credit Union leads on 5 and Morehead Community Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.