Side-by-side · Q2 2026 data
Spencer County Bank vs Labor Management Federal Credit Union
Credit union
Labor Management Federal Credit Union
Lewisport, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Spencer County Bank | Labor Management Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 70 (stronger) |
| Capital cushion | 96 | 98 (stronger) |
| Loan quality | 0 | 37 (stronger) |
| Earnings | 51 (stronger) | 48 |
| Funding & liquidity | 79 | 86 (stronger) |
| Problem-loan coverage | 75 | 84 (stronger) |
| Peer percentile | 16th | 40th |
| Total assets | $131.2M | $28.4M |
| Deposits / shares | $111.6M | $24.2M |
| Capital ratio | 14.57% | 14.76% (stronger) |
| Problem loans | 3.00% | 1.88% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.16% |
| Return on assets | 0.79% (stronger) | 0.70% |
| Loans ÷ deposits | 69.9% (stronger) | 74.3% |
| Uninsured deposits | 25.1% | 2.4% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Labor Management Federal Credit Union has the higher TellerScore (70 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Spencer County Bank leads on 3 and Labor Management Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.