Side-by-side · Q2 2026 data
First Federal Savings Bank vs Owensboro Federal Credit Union
Credit union
Owensboro Federal Credit Union
Owensboro, Kentucky · Under $100 million in assets
Metric by metric
| Measure | First Federal Savings Bank | Owensboro Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 88 (stronger) |
| Capital cushion | 45 | 92 (stronger) |
| Loan quality | 92 (stronger) | 91 |
| Earnings | 35 | 62 (stronger) |
| Funding & liquidity | 52 | 100 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 20th | 85th |
| Total assets | $575.6M | $88.3M |
| Deposits / shares | $472.8M | $75.0M |
| Capital ratio | 9.54% | 14.21% (stronger) |
| Problem loans | 0.24% (stronger) | 0.26% |
| Net charge-offs | 0.01% (stronger) | 0.16% |
| Return on assets | 0.37% | 1.05% (stronger) |
| Loans ÷ deposits | 89.8% | 48.2% (stronger) |
| Uninsured deposits | 31.0% | 2.0% (stronger) |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.7% | — |
Owensboro Federal Credit Union has the higher TellerScore (88 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings Bank leads on 2 and Owensboro 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.