Side-by-side · Q2 2026 data
Republic Bank & Trust Company vs University of Kentucky Federal Credit Union
Credit union
University of Kentucky Federal Credit Union
Lexington, Kentucky · $1 billion – $10 billion
Metric by metric
| Measure | Republic Bank & Trust Company | University of Kentucky Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 57 |
| Capital cushion | 98 (stronger) | 59 |
| Loan quality | 81 (stronger) | 68 |
| Earnings | 100 (stronger) | 31 |
| Funding & liquidity | 31 | 50 (stronger) |
| Problem-loan coverage | 95 (stronger) | 85 |
| Peer percentile | 95th | 17th |
| Total assets | $7.1B | $1.8B |
| Deposits / shares | $5.6B | $1.4B |
| Capital ratio | 14.82% (stronger) | 10.91% |
| Problem loans | 0.56% (stronger) | 0.97% |
| Net charge-offs | 0.46% (stronger) | 0.47% |
| Return on assets | 2.13% (stronger) | 0.28% |
| Loans ÷ deposits | 95.7% (stronger) | 110.6% |
| Uninsured deposits | 45.6% | 9.4% (stronger) |
| Offices | 47 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.6% | — |
Republic Bank & Trust Company has the higher TellerScore (84 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Republic Bank & Trust Company leads on 6 and University of Kentucky Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.