Side-by-side · Q2 2026 data
State Highway Patrol Federal Credit Union vs Kemba Financial Credit Union
Credit union
State Highway Patrol Federal Credit Union
Columbus, Ohio · Under $100 million in assets
Metric by metric
| Measure | State Highway Patrol Federal Credit Union | Kemba Financial Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 74 |
| Capital cushion | 85 (stronger) | 76 |
| Loan quality | 98 (stronger) | 81 |
| Earnings | 66 (stronger) | 57 |
| Funding & liquidity | 100 (stronger) | 68 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 85th | 72nd |
| Total assets | $92.2M | $2.5B |
| Deposits / shares | $80.1M | $2.1B |
| Capital ratio | 13.52% (stronger) | 12.57% |
| Problem loans | 0.06% (stronger) | 0.58% |
| Net charge-offs | 0.08% (stronger) | 0.60% |
| Return on assets | 1.16% (stronger) | 0.93% |
| Loans ÷ deposits | 54.1% (stronger) | 92.4% |
| Uninsured deposits | 5.5% (stronger) | 6.8% |
| Offices | 3 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 34.2% |
State Highway Patrol Federal Credit Union has the higher TellerScore (88 vs 74). On the 7 directional measures above (where higher or lower is clearly better), State Highway Patrol Federal Credit Union leads on 7 and Kemba Financial Credit Union on 0. 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.