Side-by-side · Q2 2026 data
Audubon Federal Credit Union vs Northern Kentucky Federal Credit Union
Credit union
Northern Kentucky Federal Credit Union
Highland Height, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Audubon Federal Credit Union | Northern Kentucky Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 91 (stronger) |
| Capital cushion | 40 | 90 (stronger) |
| Loan quality | 67 | 90 (stronger) |
| Earnings | 51 | 84 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 88 | 98 (stronger) |
| Peer percentile | 26th | 90th |
| Total assets | $34.4M | $43.1M |
| Deposits / shares | $31.2M | $36.3M |
| Capital ratio | 8.97% | 13.99% (stronger) |
| Problem loans | 1.00% | 0.29% (stronger) |
| Net charge-offs | 0.21% | 0.09% (stronger) |
| Return on assets | 0.79% | 1.61% (stronger) |
| Loans ÷ deposits | 57.6% | 51.4% (stronger) |
| Uninsured deposits | 1.9% | 0.7% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern Kentucky Federal Credit Union has the higher TellerScore (91 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Audubon Federal Credit Union leads on 0 and Northern Kentucky Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.