Side-by-side · Q2 2026 data
Bank of Lincoln County vs Ascend Federal Credit Union
Metric by metric
| Measure | Bank of Lincoln County | Ascend Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 83 |
| Capital cushion | 72 | 96 (stronger) |
| Loan quality | 100 (stronger) | 84 |
| Earnings | 98 (stronger) | 68 |
| Funding & liquidity | 63 | 70 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 90th | 92nd |
| Total assets | $230.1M | $4.8B |
| Deposits / shares | $198.3M | $3.9B |
| Capital ratio | 12.23% | 14.55% (stronger) |
| Problem loans | 0.01% (stronger) | 0.49% |
| Net charge-offs | 0.04% (stronger) | 0.44% |
| Return on assets | 1.94% (stronger) | 1.20% |
| Loans ÷ deposits | 86.6% (stronger) | 90.5% |
| Uninsured deposits | 24.6% | 10.1% (stronger) |
| Offices | 3 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.1% |
Bank of Lincoln County has the higher TellerScore (86 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Bank of Lincoln County leads on 5 and Ascend Federal Credit Union on 2. 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.