Side-by-side · Q2 2026 data
Kensington Bank vs Magnifi Financial Credit Union
Metric by metric
| Measure | Kensington Bank | Magnifi Financial Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 68 |
| Capital cushion | 49 | 60 (stronger) |
| Loan quality | 81 | 93 (stronger) |
| Earnings | 72 (stronger) | 44 |
| Funding & liquidity | 68 (stronger) | 61 |
| Problem-loan coverage | 92 | 92 |
| Peer percentile | 40th | 50th |
| Total assets | $446.7M | $2.8B |
| Deposits / shares | $376.2M | $2.3B |
| Capital ratio | 9.90% | 11.04% (stronger) |
| Problem loans | 0.58% | 0.21% (stronger) |
| Net charge-offs | 0.45% | 0.20% (stronger) |
| Return on assets | 1.30% (stronger) | 0.61% |
| Loans ÷ deposits | 90.7% (stronger) | 99.6% |
| Uninsured deposits | 16.9% | 13.9% (stronger) |
| Offices | 6 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | 12.6% |
Kensington Bank has the higher TellerScore (69 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Kensington Bank leads on 3 and Magnifi Financial 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.