Side-by-side · Q2 2026 data
Brown-Forman Employees Credit Union vs Transcend Credit Union
Credit union
Brown-Forman Employees Credit Union
Louisville, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Brown-Forman Employees Credit Union | Transcend Credit Union |
|---|---|---|
| TellerScore | 71 | 83 (stronger) |
| Capital cushion | 100 (stronger) | 84 |
| Loan quality | 43 | 96 (stronger) |
| Earnings | 41 | 68 (stronger) |
| Funding & liquidity | 88 (stronger) | 69 |
| Problem-loan coverage | 90 | 99 (stronger) |
| Peer percentile | 42nd | 83rd |
| Total assets | $14.4M | $588.3M |
| Deposits / shares | $11.4M | $473.2M |
| Capital ratio | 19.62% (stronger) | 13.37% |
| Problem loans | 1.71% | 0.13% (stronger) |
| Net charge-offs | 2.53% | 0.18% (stronger) |
| Return on assets | 0.53% | 1.19% (stronger) |
| Loans ÷ deposits | 72.3% (stronger) | 91.0% |
| Uninsured deposits | 13.7% | 9.8% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Transcend Credit Union has the higher TellerScore (83 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Brown-Forman Employees Credit Union leads on 2 and Transcend 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.