Side-by-side · Q2 2026 data
The First National Bank of Grayson 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 First National Bank of Grayson | Morehead Community Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 88 (stronger) |
| Capital cushion | 80 | 85 (stronger) |
| Loan quality | 68 | 83 (stronger) |
| Earnings | 93 (stronger) | 86 |
| Funding & liquidity | 73 | 100 (stronger) |
| Problem-loan coverage | 89 | 97 (stronger) |
| Peer percentile | 75th | 85th |
| Total assets | $371.9M | $65.1M |
| Deposits / shares | $325.5M | $56.0M |
| Capital ratio | 12.98% | 13.49% (stronger) |
| Problem loans | 0.96% | 0.50% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.21% |
| Return on assets | 1.84% (stronger) | 1.65% |
| Loans ÷ deposits | 72.9% | 49.9% (stronger) |
| Uninsured deposits | 27.4% | 5.4% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.0% | — |
Morehead Community Federal Credit Union has the higher TellerScore (88 vs 79). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Grayson leads on 2 and Morehead Community Federal Credit Union on 5. 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.