Side-by-side · Q2 2026 data
The Sacramento Deposit Bank vs Owensboro Federal Credit Union
Credit union
Owensboro Federal Credit Union
Owensboro, Kentucky · Under $100 million in assets
Metric by metric
| Measure | The Sacramento Deposit Bank | Owensboro Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 88 (stronger) |
| Capital cushion | 45 | 92 (stronger) |
| Loan quality | 75 | 91 (stronger) |
| Earnings | 100 (stronger) | 62 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 86 | 99 (stronger) |
| Peer percentile | 57th | 85th |
| Total assets | $149.8M | $88.3M |
| Deposits / shares | $136.9M | $75.0M |
| Capital ratio | 9.46% | 14.21% (stronger) |
| Problem loans | 0.76% | 0.26% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.16% |
| Return on assets | 2.24% (stronger) | 1.05% |
| Loans ÷ deposits | 70.3% | 48.2% (stronger) |
| Uninsured deposits | 8.6% | 2.0% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Owensboro Federal Credit Union has the higher TellerScore (88 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Sacramento Deposit Bank leads on 2 and Owensboro Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.