Side-by-side · Q2 2026 data
Springfield State Bank vs Old Kentucky Home Federal Credit Union
Credit union
Old Kentucky Home Federal Credit Union
Bardstown, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Springfield State Bank | Old Kentucky Home Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 70 |
| Capital cushion | 90 (stronger) | 72 |
| Loan quality | 81 | 82 (stronger) |
| Earnings | 60 (stronger) | 32 |
| Funding & liquidity | 70 | 81 (stronger) |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 75th | 40th |
| Total assets | $486.9M | $19.8M |
| Deposits / shares | $388.4M | $17.4M |
| Capital ratio | 14.04% (stronger) | 12.16% |
| Problem loans | 0.56% | 0.55% (stronger) |
| Net charge-offs | 0.00% | -0.09% (stronger) |
| Return on assets | 1.01% (stronger) | 0.30% |
| Loans ÷ deposits | 86.2% | 79.6% (stronger) |
| Uninsured deposits | 19.3% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Springfield State Bank has the higher TellerScore (79 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Springfield State Bank leads on 3 and Old Kentucky Home Federal Credit Union on 4. 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.