Side-by-side · Q2 2026 data
First State Bank vs Labor Management Federal Credit Union
Credit union
Labor Management Federal Credit Union
Lewisport, Kentucky · Under $100 million in assets
Metric by metric
| Measure | First State Bank | Labor Management Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 70 |
| Capital cushion | 62 | 98 (stronger) |
| Loan quality | 56 (stronger) | 37 |
| Earnings | 89 (stronger) | 48 |
| Funding & liquidity | 79 | 86 (stronger) |
| Problem-loan coverage | 82 | 84 (stronger) |
| Peer percentile | 43rd | 40th |
| Total assets | $402.0M | $28.4M |
| Deposits / shares | $354.3M | $24.2M |
| Capital ratio | 11.23% | 14.76% (stronger) |
| Problem loans | 1.33% (stronger) | 1.88% |
| Net charge-offs | 0.03% (stronger) | 0.16% |
| Return on assets | 1.72% (stronger) | 0.70% |
| Loans ÷ deposits | 81.2% | 74.3% (stronger) |
| Uninsured deposits | 14.3% | 2.4% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First State Bank leads on 3 and Labor Management Federal Credit Union on 3. 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.
Where both have branches
- Hardinsburg, KY