Side-by-side · Q2 2026 data
Welcome Federal Credit Union vs Mount Vernon Baptist Church Credit Union
Credit union
Welcome Federal Credit Union
Morrisville, North Carolina · Under $100 million in assets
Credit union
Mount Vernon Baptist Church Credit Union
Durham, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Welcome Federal Credit Union | Mount Vernon Baptist Church Credit Union |
|---|---|---|
| TellerScore | 69 | 100 (stronger) |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 63 | 100 (stronger) |
| Earnings | 28 | 100 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 38th | 100th |
| Total assets | $92.0M | $153K |
| Deposits / shares | $79.3M | $95K |
| Capital ratio | 13.02% | 37.73% (stronger) |
| Problem loans | 1.11% | 0.00% (stronger) |
| Net charge-offs | 0.16% | 0.00% (stronger) |
| Return on assets | 0.21% | 2.15% (stronger) |
| Loans ÷ deposits | 55.4% | 7.1% (stronger) |
| Uninsured deposits | 10.5% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mount Vernon Baptist Church Credit Union has the higher TellerScore (100 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Welcome Federal Credit Union leads on 0 and Mount Vernon Baptist Church 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.