Side-by-side · Q2 2026 data
LCNB National Bank vs Members Trust Federal Credit Union
Metric by metric
| Measure | LCNB National Bank | Members Trust Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 87 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 89 | 98 (stronger) |
| Earnings | 67 (stronger) | 47 |
| Funding & liquidity | 67 | 90 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 49th | 83rd |
| Total assets | $2.2B | $23.4M |
| Deposits / shares | $1.8B | $18.8M |
| Capital ratio | 9.30% | 19.11% (stronger) |
| Problem loans | 0.34% | 0.05% (stronger) |
| Net charge-offs | 0.32% | 0.00% (stronger) |
| Return on assets | 1.16% (stronger) | 0.67% |
| Loans ÷ deposits | 92.8% | 70.0% (stronger) |
| Uninsured deposits | 12.3% | 2.4% (stronger) |
| Offices | 34 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.4% | — |
Members Trust Federal Credit Union has the higher TellerScore (87 vs 68). On the 7 directional measures above (where higher or lower is clearly better), LCNB National Bank leads on 1 and Members Trust Federal Credit Union on 6. 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.