Side-by-side · Q2 2026 data
First Financial 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 | First Financial Bank | Northern Kentucky Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 91 (stronger) |
| Capital cushion | 48 | 90 (stronger) |
| Loan quality | 77 | 90 (stronger) |
| Earnings | 82 | 84 (stronger) |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 66th | 90th |
| Total assets | $22.4B | $43.1M |
| Deposits / shares | $17.8B | $36.3M |
| Capital ratio | 9.78% | 13.99% (stronger) |
| Problem loans | 0.70% | 0.29% (stronger) |
| Net charge-offs | 0.27% | 0.09% (stronger) |
| Return on assets | 1.56% | 1.61% (stronger) |
| Loans ÷ deposits | 76.3% | 51.4% (stronger) |
| Uninsured deposits | 41.9% | 0.7% (stronger) |
| Offices | 158 | 2 |
| CFPB complaints (3 yrs) | 59 | — |
| Complaints per $1B deposits | 3.3 | — |
| Mortgage denial rate (HMDA) | 24.9% | — |
Northern Kentucky Federal Credit Union has the higher TellerScore (91 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Financial Bank leads on 0 and Northern Kentucky Federal Credit Union on 7. 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.