Side-by-side · Q2 2026 data
Community Savings Bank vs Northern Kentucky Federal Credit Union
Credit union
Northern Kentucky Federal Credit Union
Highland Height, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Community Savings Bank | Northern Kentucky Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 91 (stronger) |
| Capital cushion | 98 (stronger) | 90 |
| Loan quality | 97 (stronger) | 90 |
| Earnings | 38 | 84 (stronger) |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 77th | 90th |
| Total assets | $119.6M | $43.1M |
| Deposits / shares | $95.0M | $36.3M |
| Capital ratio | 14.76% (stronger) | 13.99% |
| Problem loans | 0.10% (stronger) | 0.29% |
| Net charge-offs | -0.01% (stronger) | 0.09% |
| Return on assets | 0.45% | 1.61% (stronger) |
| Loans ÷ deposits | 96.7% | 51.4% (stronger) |
| Uninsured deposits | 17.7% | 0.7% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern Kentucky Federal Credit Union has the higher TellerScore (91 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Community Savings Bank leads on 3 and Northern Kentucky Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.