Side-by-side · Q2 2026 data
Home Savings Bank, FSB 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 | Home Savings Bank, FSB | Northern Kentucky Federal Credit Union |
|---|---|---|
| TellerScore | 25 | 91 (stronger) |
| Capital cushion | 52 | 90 (stronger) |
| Loan quality | 0 | 90 (stronger) |
| Earnings | 0 | 84 (stronger) |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 2 | 98 (stronger) |
| Peer percentile | 1st | 90th |
| Total assets | $25.7M | $43.1M |
| Deposits / shares | $20.1M | $36.3M |
| Capital ratio | 10.19% | 13.99% (stronger) |
| Problem loans | 7.46% | 0.29% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.09% |
| Return on assets | -1.29% | 1.61% (stronger) |
| Loans ÷ deposits | 99.6% | 51.4% (stronger) |
| Uninsured deposits | 2.0% | 0.7% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern Kentucky Federal Credit Union has the higher TellerScore (91 vs 25). On the 7 directional measures above (where higher or lower is clearly better), Home Savings Bank, FSB leads on 1 and Northern Kentucky Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.