Side-by-side · Q2 2026 data
The Paducah Bank and Trust Company vs W B H Employees Federal Credit Union
Credit union
W B H Employees Federal Credit Union
Paducah, Kentucky · Under $100 million in assets
Metric by metric
| Measure | The Paducah Bank and Trust Company | W B H Employees Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 73 |
| Capital cushion | 56 | 80 (stronger) |
| Loan quality | 94 | 98 (stronger) |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 57 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 93 |
| Peer percentile | 88th | 47th |
| Total assets | $1.1B | $17.6M |
| Deposits / shares | $844.2M | $15.1M |
| Capital ratio | 10.63% | 12.98% (stronger) |
| Problem loans | 0.19% | 0.05% (stronger) |
| Net charge-offs | 0.02% (stronger) | 2.54% |
| Return on assets | 2.25% (stronger) | -1.75% |
| Loans ÷ deposits | 94.5% | 48.1% (stronger) |
| Uninsured deposits | 23.2% | 0.7% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.9% | — |
The Paducah Bank and Trust Company has the higher TellerScore (79 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The Paducah Bank and Trust Company leads on 3 and W B H Employees 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.