Side-by-side · Q2 2026 data
United Community Bank vs Morgan City Federal Credit Union
Credit union
Morgan City Federal Credit Union
Morgan City, Louisiana · Under $100 million in assets
Metric by metric
| Measure | United Community Bank | Morgan City Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 84 (stronger) |
| Capital cushion | 95 | 100 (stronger) |
| Loan quality | 76 | 100 (stronger) |
| Earnings | 88 (stronger) | 32 |
| Funding & liquidity | 59 | 86 (stronger) |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 84th | 75th |
| Total assets | $665.5M | $4.8M |
| Deposits / shares | $560.0M | $4.0M |
| Capital ratio | 14.47% | 16.68% (stronger) |
| Problem loans | 0.73% | 0.00% (stronger) |
| Net charge-offs | 0.17% (stronger) | 0.47% |
| Return on assets | 1.70% (stronger) | 0.29% |
| Loans ÷ deposits | 89.4% | 74.1% (stronger) |
| Uninsured deposits | 25.3% | 0.0% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.5% | — |
Morgan City Federal Credit Union has the higher TellerScore (84 vs 83). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 2 and Morgan City 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.