Side-by-side · Q2 2026 data
Unified Bank vs Marshall County Federal Credit Union
Credit union
Marshall County Federal Credit Union
Moundsville, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Unified Bank | Marshall County Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 99 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 57 | 96 (stronger) |
| Earnings | 75 | 100 (stronger) |
| Funding & liquidity | 89 | 100 (stronger) |
| Problem-loan coverage | 78 | 99 (stronger) |
| Peer percentile | 22nd | 99th |
| Total assets | $871.7M | $26.8M |
| Deposits / shares | $702.1M | $22.8M |
| Capital ratio | 8.99% | 15.05% (stronger) |
| Problem loans | 1.29% | 0.12% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.38% | 2.45% (stronger) |
| Loans ÷ deposits | 70.1% | 43.7% (stronger) |
| Uninsured deposits | 16.0% | 0.2% (stronger) |
| Offices | 19 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.8% | — |
Marshall County Federal Credit Union has the higher TellerScore (99 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Unified Bank leads on 0 and Marshall County Federal Credit Union on 7. 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.