Side-by-side · Q2 2026 data
LCNB National Bank vs Chivaho Federal Credit Union
Metric by metric
| Measure | LCNB National Bank | Chivaho Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 84 (stronger) |
| Capital cushion | 43 | 89 (stronger) |
| Loan quality | 89 | 91 (stronger) |
| Earnings | 67 (stronger) | 50 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 49th | 75th |
| Total assets | $2.2B | $37.7M |
| Deposits / shares | $1.8B | $32.4M |
| Capital ratio | 9.30% | 13.88% (stronger) |
| Problem loans | 0.34% | 0.27% (stronger) |
| Net charge-offs | 0.32% (stronger) | 0.87% |
| Return on assets | 1.16% (stronger) | 0.74% |
| Loans ÷ deposits | 92.8% | 47.2% (stronger) |
| Uninsured deposits | 12.3% | 3.6% (stronger) |
| Offices | 34 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.4% | — |
Chivaho Federal Credit Union has the higher TellerScore (84 vs 68). On the 7 directional measures above (where higher or lower is clearly better), LCNB National Bank leads on 2 and Chivaho Federal Credit Union on 5. 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.