Side-by-side · Q2 2026 data
Louisville Federal Credit Union vs Transcend Credit Union
Credit union
Louisville Federal Credit Union
Louisville, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Louisville Federal Credit Union | Transcend Credit Union |
|---|---|---|
| TellerScore | 81 | 83 (stronger) |
| Capital cushion | 100 (stronger) | 84 |
| Loan quality | 72 | 96 (stronger) |
| Earnings | 41 | 68 (stronger) |
| Funding & liquidity | 100 (stronger) | 69 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 68th | 83rd |
| Total assets | $37.2M | $588.3M |
| Deposits / shares | $29.6M | $473.2M |
| Capital ratio | 20.05% (stronger) | 13.37% |
| Problem loans | 0.84% | 0.13% (stronger) |
| Net charge-offs | 0.24% | 0.18% (stronger) |
| Return on assets | 0.53% | 1.19% (stronger) |
| Loans ÷ deposits | 33.2% (stronger) | 91.0% |
| Uninsured deposits | 2.7% (stronger) | 9.8% |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Transcend Credit Union has the higher TellerScore (83 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Louisville Federal Credit Union leads on 3 and Transcend 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.