Side-by-side · Q2 2026 data
The Commercial Bank of Grayson vs F.C.I. Ashland Federal Credit Union
Credit union
F.C.I. Ashland Federal Credit Union
Ashland, Kentucky · Under $100 million in assets
Metric by metric
| Measure | The Commercial Bank of Grayson | F.C.I. Ashland Federal Credit Union |
|---|---|---|
| TellerScore | 49 | 81 (stronger) |
| Capital cushion | 60 | 93 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 59 (stronger) | 23 |
| Funding & liquidity | 88 | 92 (stronger) |
| Problem-loan coverage | 64 | 100 (stronger) |
| Peer percentile | 6th | 68th |
| Total assets | $242.0M | $8.8M |
| Deposits / shares | $215.4M | $7.5M |
| Capital ratio | 11.01% | 14.25% (stronger) |
| Problem loans | 3.03% | 0.00% (stronger) |
| Net charge-offs | 0.10% | 0.00% (stronger) |
| Return on assets | 0.98% (stronger) | 0.07% |
| Loans ÷ deposits | 72.2% | 68.5% (stronger) |
| Uninsured deposits | 11.5% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
F.C.I. Ashland Federal Credit Union has the higher TellerScore (81 vs 49). On the 7 directional measures above (where higher or lower is clearly better), The Commercial Bank of Grayson leads on 1 and F.C.I. Ashland Federal Credit Union on 6. 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.