Side-by-side · Q2 2026 data
Independence Bank of Kentucky vs Green River Area Federal Credit Union
Credit union
Green River Area Federal Credit Union
Owensboro, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Independence Bank of Kentucky | Green River Area Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 89 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 96 (stronger) | 82 |
| Earnings | 65 | 77 (stronger) |
| Funding & liquidity | 61 | 88 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 53rd | 87th |
| Total assets | $3.8B | $60.3M |
| Deposits / shares | $3.0B | $47.7M |
| Capital ratio | 9.35% | 20.74% (stronger) |
| Problem loans | 0.12% (stronger) | 0.53% |
| Net charge-offs | 0.00% (stronger) | 0.25% |
| Return on assets | 1.12% | 1.43% (stronger) |
| Loans ÷ deposits | 69.8% (stronger) | 72.2% |
| Uninsured deposits | 41.2% | 7.8% (stronger) |
| Offices | 26 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Green River Area Federal Credit Union has the higher TellerScore (89 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Independence Bank of Kentucky leads on 3 and Green River Area 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.