Side-by-side · Q2 2026 data
First Kentucky Bank, Inc. vs W B H Employees Federal Credit Union
Credit union
W B H Employees Federal Credit Union
Paducah, Kentucky · Under $100 million in assets
Metric by metric
| Measure | First Kentucky Bank, Inc. | W B H Employees Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 73 |
| Capital cushion | 43 | 80 (stronger) |
| Loan quality | 92 | 98 (stronger) |
| Earnings | 70 (stronger) | 0 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 53rd | 47th |
| Total assets | $585.6M | $17.6M |
| Deposits / shares | $508.2M | $15.1M |
| Capital ratio | 9.35% | 12.98% (stronger) |
| Problem loans | 0.25% | 0.05% (stronger) |
| Net charge-offs | 0.04% (stronger) | 2.54% |
| Return on assets | 1.26% (stronger) | -1.75% |
| Loans ÷ deposits | 70.2% | 48.1% (stronger) |
| Uninsured deposits | 17.8% | 0.7% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.9% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First Kentucky Bank, Inc. leads on 2 and W B H Employees Federal Credit Union on 4. 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.