Side-by-side · Q2 2026 data
Citizens Bank of Kentucky, Inc. vs Tayco Employees Federal Credit Union
Credit union
Tayco Employees Federal Credit Union
South Shore, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank of Kentucky, Inc. | Tayco Employees Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 54 |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 72 (stronger) | 0 |
| Earnings | 61 (stronger) | 0 |
| Funding & liquidity | 95 | 100 (stronger) |
| Problem-loan coverage | 94 (stronger) | 88 |
| Peer percentile | 75th | 13th |
| Total assets | $669.9M | $1.9M |
| Deposits / shares | $571.0M | $830K |
| Capital ratio | 13.51% | 55.81% (stronger) |
| Problem loans | 0.85% (stronger) | 13.33% |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.04% (stronger) | -1.04% |
| Loans ÷ deposits | 59.8% | 57.5% (stronger) |
| Uninsured deposits | 20.0% | 0.0% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | — |
Citizens Bank of Kentucky, Inc. has the higher TellerScore (79 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Kentucky, Inc. leads on 3 and Tayco Employees 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.