Side-by-side · Q2 2026 data
Whitaker Bank vs Morehead Community Federal Credit Union
Credit union
Morehead Community Federal Credit Union
Morehead, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Whitaker Bank | Morehead Community Federal Credit Union |
|---|---|---|
| TellerScore | 84 | 88 (stronger) |
| Capital cushion | 79 | 85 (stronger) |
| Loan quality | 93 (stronger) | 83 |
| Earnings | 77 | 86 (stronger) |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 95th | 85th |
| Total assets | $1.9B | $65.1M |
| Deposits / shares | $1.6B | $56.0M |
| Capital ratio | 12.89% | 13.49% (stronger) |
| Problem loans | 0.21% (stronger) | 0.50% |
| Net charge-offs | 0.06% (stronger) | 0.21% |
| Return on assets | 1.42% | 1.65% (stronger) |
| Loans ÷ deposits | 67.3% | 49.9% (stronger) |
| Uninsured deposits | 26.8% | 5.4% (stronger) |
| Offices | 44 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Morehead Community Federal Credit Union has the higher TellerScore (88 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Whitaker Bank 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.