Side-by-side · Q2 2026 data
The North Side Bank and Trust Company 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 | The North Side Bank and Trust Company | Northern Kentucky Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 91 (stronger) |
| Capital cushion | 62 | 90 (stronger) |
| Loan quality | 97 (stronger) | 90 |
| Earnings | 65 | 84 (stronger) |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 74th | 90th |
| Total assets | $1.2B | $43.1M |
| Deposits / shares | $989.5M | $36.3M |
| Capital ratio | 11.16% | 13.99% (stronger) |
| Problem loans | 0.10% (stronger) | 0.29% |
| Net charge-offs | 0.33% | 0.09% (stronger) |
| Return on assets | 1.12% | 1.61% (stronger) |
| Loans ÷ deposits | 75.1% | 51.4% (stronger) |
| Uninsured deposits | 42.1% | 0.7% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern Kentucky Federal Credit Union has the higher TellerScore (91 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The North Side Bank and Trust Company leads on 1 and Northern Kentucky 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.