Morehead Community Federal Credit Union is a federal credit union headquartered in Morehead, Kentucky, in business for about 48 years. At the end of Q2 2026 it reported $65.1M in total assets and $56.0M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, Morehead Community Federal Credit Union scores 88/100, which we describe as very strong. That is higher than 85% of 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Kentucky, it ranks 7th. Its strongest component is funding & liquidity (100/100; 50% loans-to-deposits, 5% uninsured), and its lowest is loan quality (83/100; 0.50%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (89 → 88).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 85 |
| Q3 2024 | 86 |
| Q4 2024 | 86 |
| Q1 2025 | 86 |
| Q2 2025 | 89 |
| Q3 2025 | 89 |
| Q4 2025 | 90 |
| Q1 2026 | 89 |
| Q2 2026 | 88 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.27% |
| Q3 2024 | 12.67% |
| Q4 2024 | 12.90% |
| Q1 2025 | 12.70% |
| Q2 2025 | 12.78% |
| Q3 2025 | 12.89% |
| Q4 2025 | 13.12% |
| Q1 2026 | 13.28% |
| Q2 2026 | 13.49% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.11% |
| Q3 2024 | 0.17% |
| Q4 2024 | 0.35% |
| Q1 2025 | 0.41% |
| Q2 2025 | 0.27% |
| Q3 2025 | 0.20% |
| Q4 2025 | 0.16% |
| Q1 2026 | 0.33% |
| Q2 2026 | 0.50% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.29% |
| Q3 2024 | 1.36% |
| Q4 2024 | 1.41% |
| Q1 2025 | 1.62% |
| Q2 2025 | 1.71% |
| Q3 2025 | 1.65% |
| Q4 2025 | 1.65% |
| Q1 2026 | 1.66% |
| Q2 2026 | 1.65% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 88 | $65.1M | 13.49% | 0.50% | 1.65% | 49.9% |
| Q1 2026 | 89 | $64.0M | 13.28% | 0.33% | 1.66% | 50.7% |
| Q4 2025 | 90 | $62.8M | 13.12% | 0.16% | 1.65% | 51.8% |
| Q3 2025 | 89 | $61.8M | 12.89% | 0.20% | 1.65% | 52.3% |
| Q2 2025 | 89 | $60.4M | 12.78% | 0.27% | 1.71% | 53.2% |
| Q1 2025 | 86 | $58.6M | 12.70% | 0.41% | 1.62% | 53.8% |
| Q4 2024 | 86 | $55.8M | 12.90% | 0.35% | 1.41% | 55.4% |
| Q3 2024 | 86 | $55.1M | 12.67% | 0.17% | 1.36% | 54.7% |
| Q2 2024 | 85 | $55.2M | 12.27% | 0.11% | 1.29% | 52.3% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Green River Area Federal Credit UnionCredit union Owensboro, KY | 89 out of 100, Very strong | $60.3M | 20.7% | 0.53% | vs |
| Kemba Louisville Credit UnionCredit union Louisville, KY | 65 out of 100, Moderate | $59.3M | 20.8% | 2.72% | vs |
| Beacon Community Credit UnionCredit union Louisville, KY | 72 out of 100, Strong | $72.1M | 12.3% | 0.44% | vs |
| Kue Federal Credit UnionCredit union Lexington, KY | 76 out of 100, Strong | $56.1M | 14.9% | 1.65% | vs |
| Daviess County Teachers Federal Credit UnionCredit union Owensboro, KY | 82 out of 100, Strong | $75.3M | 12.5% | 0.49% | vs |
| Metro Plus Credit UnionCredit union Lexington, KY | 76 out of 100, Strong | $50.9M | 13.1% | 0.40% | vs |
Deposit insurance
Is my money safe at Morehead Community Federal Credit Union?
Yes. Morehead Community Federal Credit Union is a federally insured credit union (NCUA charter #23070). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 5.4% of shares and deposits ($3.0M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 13.49%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Morehead Community Federal Credit Union lists 1 office in 1 city. Most locations:
- Morehead, KY (1)
Identity & history
Profile
- Legal name
- Morehead Community Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 23070
- RSSD ID
- 33183
- Primary regulator
- NCUA
- Established
- 1978
- Headquarters
- 503 West Main St., Morehead, KY 40351
- Employees
- 12
Quick answers
Morehead Community Federal Credit Union: common questions
Is Morehead Community Federal Credit Union NCUA insured?
Yes. Morehead Community Federal Credit Union is a federally insured credit union (NCUA charter #23070). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Morehead Community Federal Credit Union's TellerScore?
88 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Morehead Community Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Morehead
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| The First National Bank of GraysonBank Grayson, KY | 79 out of 100, Strong | $371.9M | 13.0% | 0.96% | vs |
| The Citizens BankBank Morehead, KY | 76 out of 100, Strong | $228.6M | 8.7% | 0.06% | vs |
| Traditional Bank, Inc.Bank Mount Sterling, KY | 73 out of 100, Strong | $2.4B | 10.6% | 0.25% | vs |
| Stock Yards Bank & Trust CompanyBank Louisville, KY | 72 out of 100, Strong | $10.4B | 10.7% | 0.31% | vs |