Side-by-side · Q2 2026 data
L & N Federal Credit Union vs University of Kentucky Federal Credit Union
Credit union
University of Kentucky Federal Credit Union
Lexington, Kentucky · $1 billion – $10 billion
Metric by metric
| Measure | L & N Federal Credit Union | University of Kentucky Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 57 |
| Capital cushion | 56 | 59 (stronger) |
| Loan quality | 91 (stronger) | 68 |
| Earnings | 64 (stronger) | 31 |
| Funding & liquidity | 69 (stronger) | 50 |
| Problem-loan coverage | 96 (stronger) | 85 |
| Peer percentile | 66th | 17th |
| Total assets | $2.6B | $1.8B |
| Deposits / shares | $2.3B | $1.4B |
| Capital ratio | 10.55% | 10.91% (stronger) |
| Problem loans | 0.26% (stronger) | 0.97% |
| Net charge-offs | 0.06% (stronger) | 0.47% |
| Return on assets | 1.11% (stronger) | 0.28% |
| Loans ÷ deposits | 91.7% (stronger) | 110.6% |
| Uninsured deposits | 13.9% | 9.4% (stronger) |
| Offices | 25 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.7% | — |
L & N Federal Credit Union has the higher TellerScore (72 vs 57). On the 7 directional measures above (where higher or lower is clearly better), L & N Federal Credit Union leads on 5 and University of Kentucky Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.