Side-by-side · Q2 2026 data
Northern Kentucky Federal Credit Union vs Heekin Can Empl 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 | Heekin Can Empl Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 55 |
| Capital cushion | 90 | 100 (stronger) |
| Loan quality | 90 (stronger) | 0 |
| Earnings | 84 (stronger) | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 90th | 15th |
| Total assets | $43.1M | $279K |
| Deposits / shares | $36.3M | $64K |
| Capital ratio | 13.99% | 75.26% (stronger) |
| Problem loans | 0.29% (stronger) | 3.00% |
| Net charge-offs | 0.09% | 0.00% (stronger) |
| Return on assets | 1.61% (stronger) | -8.59% |
| Loans ÷ deposits | 51.4% (stronger) | 55.8% |
| Uninsured deposits | 0.7% | 0.0% (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 55). On the 7 directional measures above (where higher or lower is clearly better), Northern Kentucky Federal Credit Union leads on 4 and Heekin Can Empl Credit Union on 3. 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.