Side-by-side · Q2 2026 data
Independence Bank of Kentucky vs Owensboro Federal Credit Union
Credit union
Owensboro Federal Credit Union
Owensboro, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Independence Bank of Kentucky | Owensboro Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 88 (stronger) |
| Capital cushion | 44 | 92 (stronger) |
| Loan quality | 96 (stronger) | 91 |
| Earnings | 65 (stronger) | 62 |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 53rd | 85th |
| Total assets | $3.8B | $88.3M |
| Deposits / shares | $3.0B | $75.0M |
| Capital ratio | 9.35% | 14.21% (stronger) |
| Problem loans | 0.12% (stronger) | 0.26% |
| Net charge-offs | 0.00% (stronger) | 0.16% |
| Return on assets | 1.12% (stronger) | 1.05% |
| Loans ÷ deposits | 69.8% | 48.2% (stronger) |
| Uninsured deposits | 41.2% | 2.0% (stronger) |
| Offices | 26 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Owensboro Federal Credit Union has the higher TellerScore (88 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Independence Bank of Kentucky leads on 3 and Owensboro 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.