Side-by-side · Q2 2026 data
Northern Kentucky Federal Credit Union vs Deca 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 | Deca Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 90 |
| Capital cushion | 90 | 100 (stronger) |
| Loan quality | 90 (stronger) | 85 |
| Earnings | 84 | 89 (stronger) |
| Funding & liquidity | 100 (stronger) | 75 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 90th | 89th |
| Total assets | $43.1M | $7.6M |
| Deposits / shares | $36.3M | $6.1M |
| Capital ratio | 13.99% | 18.92% (stronger) |
| Problem loans | 0.29% (stronger) | 0.45% |
| Net charge-offs | 0.09% | -0.01% (stronger) |
| Return on assets | 1.61% | 1.74% (stronger) |
| Loans ÷ deposits | 51.4% (stronger) | 84.8% |
| Uninsured deposits | 0.7% | 0.1% (stronger) |
| 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 90). On the 7 directional measures above (where higher or lower is clearly better), Northern Kentucky Federal Credit Union leads on 3 and Deca 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.