Side-by-side · Q2 2026 data
Miami Savings Bank vs Northern Kentucky Federal Credit Union
Credit union
Northern Kentucky Federal Credit Union
Highland Height, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Miami Savings Bank | Northern Kentucky Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 91 (stronger) |
| Capital cushion | 100 (stronger) | 90 |
| Loan quality | 86 | 90 (stronger) |
| Earnings | 59 | 84 (stronger) |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 84th | 90th |
| Total assets | $148.3M | $43.1M |
| Deposits / shares | $114.9M | $36.3M |
| Capital ratio | 23.18% (stronger) | 13.99% |
| Problem loans | 0.43% | 0.29% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.09% |
| Return on assets | 0.97% | 1.61% (stronger) |
| Loans ÷ deposits | 93.8% | 51.4% (stronger) |
| Uninsured deposits | 11.7% | 0.7% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern Kentucky Federal Credit Union has the higher TellerScore (91 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Miami Savings Bank leads on 2 and Northern Kentucky Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.