Side-by-side · Q2 2026 data
Northern Kentucky Federal Credit Union vs Cinfed Federal Credit Union
Credit union
Northern Kentucky Federal Credit Union
Highland Height, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Northern Kentucky Federal Credit Union | Cinfed Federal Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 72 |
| Capital cushion | 90 (stronger) | 66 |
| Loan quality | 90 | 90 |
| Earnings | 84 (stronger) | 53 |
| Funding & liquidity | 100 (stronger) | 61 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 90th | 57th |
| Total assets | $43.1M | $863.2M |
| Deposits / shares | $36.3M | $723.6M |
| Capital ratio | 13.99% (stronger) | 11.56% |
| Problem loans | 0.29% (stronger) | 0.30% |
| Net charge-offs | 0.09% (stronger) | 0.21% |
| Return on assets | 1.61% (stronger) | 0.84% |
| Loans ÷ deposits | 51.4% (stronger) | 99.5% |
| Uninsured deposits | 0.7% | 0.4% (stronger) |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.6% |
Northern Kentucky Federal Credit Union has the higher TellerScore (91 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Northern Kentucky Federal Credit Union leads on 6 and Cinfed Federal Credit Union on 1. 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.