Side-by-side · Q2 2026 data
The Citizens Bank vs Morehead Community Federal Credit Union
Credit union
Morehead Community Federal Credit Union
Morehead, Kentucky · Under $100 million in assets
Metric by metric
| Measure | The Citizens Bank | Morehead Community Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 88 (stronger) |
| Capital cushion | 37 | 85 (stronger) |
| Loan quality | 98 (stronger) | 83 |
| Earnings | 100 (stronger) | 86 |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 64th | 85th |
| Total assets | $228.6M | $65.1M |
| Deposits / shares | $181.9M | $56.0M |
| Capital ratio | 8.72% | 13.49% (stronger) |
| Problem loans | 0.06% (stronger) | 0.50% |
| Net charge-offs | 0.06% (stronger) | 0.21% |
| Return on assets | 2.15% (stronger) | 1.65% |
| Loans ÷ deposits | 82.8% | 49.9% (stronger) |
| Uninsured deposits | 21.9% | 5.4% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Morehead Community Federal Credit Union has the higher TellerScore (88 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 3 and Morehead Community Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.