Side-by-side · Q2 2026 data
Heritage Bank, Inc. 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 | Heritage Bank, Inc. | Northern Kentucky Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 91 (stronger) |
| Capital cushion | 40 | 90 (stronger) |
| Loan quality | 84 | 90 (stronger) |
| Earnings | 61 | 84 (stronger) |
| Funding & liquidity | 71 | 100 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 36th | 90th |
| Total assets | $2.0B | $43.1M |
| Deposits / shares | $1.8B | $36.3M |
| Capital ratio | 9.01% | 13.99% (stronger) |
| Problem loans | 0.47% | 0.29% (stronger) |
| Net charge-offs | 0.12% | 0.09% (stronger) |
| Return on assets | 1.03% | 1.61% (stronger) |
| Loans ÷ deposits | 67.1% | 51.4% (stronger) |
| Uninsured deposits | 35.3% | 0.7% (stronger) |
| Offices | 19 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern Kentucky Federal Credit Union has the higher TellerScore (91 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Heritage Bank, Inc. 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.