Side-by-side · Q2 2026 data
Commonwealth Community Bank, Inc. vs Owensboro Federal Credit Union
Credit union
Owensboro Federal Credit Union
Owensboro, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Commonwealth Community Bank, Inc. | Owensboro Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 88 (stronger) |
| Capital cushion | 97 (stronger) | 92 |
| Loan quality | 92 (stronger) | 91 |
| Earnings | 30 | 62 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 84th | 85th |
| Total assets | $157.7M | $88.3M |
| Deposits / shares | $134.8M | $75.0M |
| Capital ratio | 14.71% (stronger) | 14.21% |
| Problem loans | 0.24% (stronger) | 0.26% |
| Net charge-offs | 0.07% (stronger) | 0.16% |
| Return on assets | 0.24% | 1.05% (stronger) |
| Loans ÷ deposits | 40.7% (stronger) | 48.2% |
| Uninsured deposits | 11.2% | 2.0% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Owensboro Federal Credit Union has the higher TellerScore (88 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Commonwealth Community Bank, Inc. leads on 4 and Owensboro Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.