Side-by-side · Q2 2026 data
Northern Kentucky Federal Credit Union vs Community Spirit Credit Union
Credit union
Northern Kentucky Federal Credit Union
Highland Height, Kentucky · Under $100 million in assets
Credit union
Community Spirit Credit Union
Lawrenceburg, Indiana · Under $100 million in assets
Metric by metric
| Measure | Northern Kentucky Federal Credit Union | Community Spirit Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 55 |
| Capital cushion | 90 (stronger) | 54 |
| Loan quality | 90 (stronger) | 32 |
| Earnings | 84 (stronger) | 36 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 82 |
| Peer percentile | 90th | 15th |
| Total assets | $43.1M | $21.5M |
| Deposits / shares | $36.3M | $19.1M |
| Capital ratio | 13.99% (stronger) | 10.40% |
| Problem loans | 0.29% (stronger) | 2.03% |
| Net charge-offs | 0.09% (stronger) | 0.43% |
| Return on assets | 1.61% (stronger) | 0.41% |
| Loans ÷ deposits | 51.4% (stronger) | 52.3% |
| Uninsured deposits | 0.7% (stronger) | 6.4% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern Kentucky Federal Credit Union has the higher TellerScore (91 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Northern Kentucky Federal Credit Union leads on 7 and Community Spirit Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.