Side-by-side · Q2 2026 data
Citizens Bank of Kentucky, Inc. vs F.C.I. Ashland Federal Credit Union
Credit union
F.C.I. Ashland Federal Credit Union
Ashland, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank of Kentucky, Inc. | F.C.I. Ashland Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 81 (stronger) |
| Capital cushion | 85 | 93 (stronger) |
| Loan quality | 72 | 100 (stronger) |
| Earnings | 61 (stronger) | 23 |
| Funding & liquidity | 95 (stronger) | 92 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 75th | 68th |
| Total assets | $669.9M | $8.8M |
| Deposits / shares | $571.0M | $7.5M |
| Capital ratio | 13.51% | 14.25% (stronger) |
| Problem loans | 0.85% | 0.00% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.04% (stronger) | 0.07% |
| Loans ÷ deposits | 59.8% (stronger) | 68.5% |
| Uninsured deposits | 20.0% | 0.0% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | — |
F.C.I. Ashland Federal Credit Union has the higher TellerScore (81 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Kentucky, Inc. leads on 2 and F.C.I. Ashland Federal 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.