Side-by-side · Q2 2026 data
Spring Valley Bank vs Northern Kentucky Federal Credit Union
Credit union
Northern Kentucky Federal Credit Union
Highland Height, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Spring Valley Bank | Northern Kentucky Federal Credit Union |
|---|---|---|
| TellerScore | 89 | 91 (stronger) |
| Capital cushion | 100 (stronger) | 90 |
| Loan quality | 86 | 90 (stronger) |
| Earnings | 100 (stronger) | 84 |
| Funding & liquidity | 49 | 100 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 94th | 90th |
| Total assets | $113.6M | $43.1M |
| Deposits / shares | $67.0M | $36.3M |
| Capital ratio | 34.07% (stronger) | 13.99% |
| Problem loans | 0.43% | 0.29% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.09% |
| Return on assets | 2.90% (stronger) | 1.61% |
| Loans ÷ deposits | 154.7% | 51.4% (stronger) |
| Uninsured deposits | 16.2% | 0.7% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.9% | — |
Northern Kentucky Federal Credit Union has the higher TellerScore (91 vs 89). On the 7 directional measures above (where higher or lower is clearly better), Spring Valley Bank leads on 3 and Northern Kentucky Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.