Side-by-side · Q2 2026 data
Cumberland Valley National Bank & Trust Company vs L & N Federal Credit Union
Bank
Cumberland Valley National Bank & Trust Company
London, Kentucky · $100 million – $1 billion
Metric by metric
| Measure | Cumberland Valley National Bank & Trust Company | L & N Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 72 (stronger) |
| Capital cushion | 45 | 56 (stronger) |
| Loan quality | 93 (stronger) | 91 |
| Earnings | 66 (stronger) | 64 |
| Funding & liquidity | 64 | 69 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 40th | 66th |
| Total assets | $816.1M | $2.6B |
| Deposits / shares | $737.2M | $2.3B |
| Capital ratio | 9.49% | 10.55% (stronger) |
| Problem loans | 0.22% (stronger) | 0.26% |
| Net charge-offs | -0.08% (stronger) | 0.06% |
| Return on assets | 1.15% (stronger) | 1.11% |
| Loans ÷ deposits | 74.8% (stronger) | 91.7% |
| Uninsured deposits | 34.1% | 13.9% (stronger) |
| Offices | 13 | 25 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.9% | 8.7% |
L & N Federal Credit Union has the higher TellerScore (72 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Cumberland Valley National Bank & Trust Company leads on 4 and L & N Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.