Side-by-side · Q2 2026 data
The Settlers Bank vs Mountain Heritage Federal Credit Union
Credit union
Mountain Heritage Federal Credit Union
Parkersburg, West Virginia · Under $100 million in assets
Metric by metric
| Measure | The Settlers Bank | Mountain Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 54 |
| Capital cushion | 100 (stronger) | 95 |
| Loan quality | 94 (stronger) | 0 |
| Earnings | 93 (stronger) | 26 |
| Funding & liquidity | 79 | 88 (stronger) |
| Problem-loan coverage | 99 (stronger) | 72 |
| Peer percentile | 98th | 13th |
| Total assets | $142.4M | $47.0M |
| Deposits / shares | $119.1M | $39.9M |
| Capital ratio | 16.19% (stronger) | 14.52% |
| Problem loans | 0.18% (stronger) | 3.24% |
| Net charge-offs | 0.00% (stronger) | 2.08% |
| Return on assets | 1.83% (stronger) | 0.15% |
| Loans ÷ deposits | 77.1% | 72.7% (stronger) |
| Uninsured deposits | 18.4% | 0.5% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Settlers Bank has the higher TellerScore (94 vs 54). On the 7 directional measures above (where higher or lower is clearly better), The Settlers Bank leads on 5 and Mountain Heritage Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.