Side-by-side · Q2 2026 data
Northern Kentucky Federal Credit Union vs Local Union 392 Federal Credit Union
Credit union
Northern Kentucky Federal Credit Union
Highland Height, Kentucky · Under $100 million in assets
Credit union
Local Union 392 Federal Credit Union
Cincinnati, Ohio · Under $100 million in assets
Metric by metric
| Measure | Northern Kentucky Federal Credit Union | Local Union 392 Federal Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 75 |
| Capital cushion | 90 | 100 (stronger) |
| Loan quality | 90 (stronger) | 30 |
| Earnings | 84 (stronger) | 74 |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 98 (stronger) | 86 |
| Peer percentile | 90th | 52nd |
| Total assets | $43.1M | $17.5M |
| Deposits / shares | $36.3M | $14.7M |
| Capital ratio | 13.99% | 15.87% (stronger) |
| Problem loans | 0.29% (stronger) | 2.09% |
| Net charge-offs | 0.09% (stronger) | 0.38% |
| Return on assets | 1.61% (stronger) | 1.35% |
| Loans ÷ deposits | 51.4% (stronger) | 65.5% |
| 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 75). On the 7 directional measures above (where higher or lower is clearly better), Northern Kentucky Federal Credit Union leads on 5 and Local Union 392 Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.