Side-by-side · Q2 2026 data
South Central Bank, Inc. vs Service One Credit Union
Credit union
Service One Credit Union
Bowling Green, Kentucky · $100 million – $1 billion
Metric by metric
| Measure | South Central Bank, Inc. | Service One Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 53 |
| Capital cushion | 49 (stronger) | 45 |
| Loan quality | 90 (stronger) | 53 |
| Earnings | 76 (stronger) | 36 |
| Funding & liquidity | 65 | 77 (stronger) |
| Problem-loan coverage | 95 (stronger) | 78 |
| Peer percentile | 66th | 9th |
| Total assets | $2.3B | $269.1M |
| Deposits / shares | $2.0B | $242.9M |
| Capital ratio | 9.88% (stronger) | 9.51% |
| Problem loans | 0.30% (stronger) | 1.40% |
| Net charge-offs | 0.00% (stronger) | 0.21% |
| Return on assets | 1.41% (stronger) | 0.41% |
| Loans ÷ deposits | 89.7% | 83.5% (stronger) |
| Uninsured deposits | 20.1% | 5.3% (stronger) |
| Offices | 26 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | 12.5% |
South Central Bank, Inc. has the higher TellerScore (72 vs 53). On the 7 directional measures above (where higher or lower is clearly better), South Central Bank, Inc. leads on 5 and Service One Credit Union on 2. 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.
Where both have branches
- Bowling Green, KY
- Glasgow, KY
- Russellville, KY
- Scottsville, KY