Side-by-side · Q2 2026 data
Bank of Cadiz and Trust Company vs Your Hometown Federal Credit Union
Credit union
Your Hometown Federal Credit Union
Mayfield, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Bank of Cadiz and Trust Company | Your Hometown Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 47 |
| Capital cushion | 41 | 43 (stronger) |
| Loan quality | 100 (stronger) | 42 |
| Earnings | 60 (stronger) | 0 |
| Funding & liquidity | 98 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 89 |
| Peer percentile | 57th | 7th |
| Total assets | $142.9M | $25.6M |
| Deposits / shares | $137.9M | $23.1M |
| Capital ratio | 9.07% | 9.25% (stronger) |
| Problem loans | 0.00% (stronger) | 1.75% |
| Net charge-offs | 0.38% | -0.18% (stronger) |
| Return on assets | 0.99% (stronger) | -0.73% |
| Loans ÷ deposits | 61.9% | 33.7% (stronger) |
| Uninsured deposits | 9.3% | 7.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Cadiz and Trust Company has the higher TellerScore (74 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Bank of Cadiz and Trust Company leads on 3 and Your Hometown Federal Credit Union on 4. 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.