Side-by-side · Q2 2026 data
The Paducah Bank and Trust Company vs Shawnee TVA Employees Federal Credit Union
Credit union
Shawnee TVA Employees Federal Credit Union
West Paducah, Kentucky · Under $100 million in assets
Metric by metric
| Measure | The Paducah Bank and Trust Company | Shawnee TVA Employees Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 90 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 100 (stronger) | 52 |
| Funding & liquidity | 57 | 94 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 88th | 89th |
| Total assets | $1.1B | $6.6M |
| Deposits / shares | $844.2M | $5.1M |
| Capital ratio | 10.63% | 22.56% (stronger) |
| Problem loans | 0.19% | 0.00% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 2.25% (stronger) | 0.80% |
| Loans ÷ deposits | 94.5% | 66.5% (stronger) |
| Uninsured deposits | 23.2% | 0.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.9% | — |
Shawnee TVA Employees Federal Credit Union has the higher TellerScore (90 vs 79). On the 7 directional measures above (where higher or lower is clearly better), The Paducah Bank and Trust Company leads on 1 and Shawnee TVA Employees 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.