Side-by-side · Q2 2026 data
Owingsville Banking Company vs Morehead Community Federal Credit Union
Credit union
Morehead Community Federal Credit Union
Morehead, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Owingsville Banking Company | Morehead Community Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 88 (stronger) |
| Capital cushion | 50 | 85 (stronger) |
| Loan quality | 90 (stronger) | 83 |
| Earnings | 44 | 86 (stronger) |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 34th | 85th |
| Total assets | $104.1M | $65.1M |
| Deposits / shares | $92.3M | $56.0M |
| Capital ratio | 10.02% | 13.49% (stronger) |
| Problem loans | 0.29% (stronger) | 0.50% |
| Net charge-offs | 0.00% (stronger) | 0.21% |
| Return on assets | 0.60% | 1.65% (stronger) |
| Loans ÷ deposits | 83.8% | 49.9% (stronger) |
| Uninsured deposits | 12.3% | 5.4% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Morehead Community Federal Credit Union has the higher TellerScore (88 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Owingsville Banking Company leads on 2 and Morehead Community Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.