Side-by-side · Q2 2026 data
U.S. Bank National Association vs Cincinnati Interagency Federal Credit Union
Credit union
Cincinnati Interagency Federal Credit Union
Cincinnati, Ohio · Under $100 million in assets
Metric by metric
| Measure | U.S. Bank National Association | Cincinnati Interagency Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 92 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 52 | 73 (stronger) |
| Earnings | 69 | 98 (stronger) |
| Funding & liquidity | 44 | 100 (stronger) |
| Problem-loan coverage | 84 | 96 (stronger) |
| Peer percentile | 6th | 92nd |
| Total assets | $705.6B | $30.8M |
| Deposits / shares | $541.9B | $24.9M |
| Capital ratio | 9.49% | 18.24% (stronger) |
| Problem loans | 1.45% | 0.82% (stronger) |
| Net charge-offs | 0.54% (stronger) | 0.56% |
| Return on assets | 1.23% | 1.96% (stronger) |
| Loans ÷ deposits | 74.9% | 49.5% (stronger) |
| Uninsured deposits | 52.2% | 2.1% (stronger) |
| Offices | 2,076 | 2 |
| CFPB complaints (3 yrs) | 16,492 | — |
| Complaints per $1B deposits | 30.4 | — |
| Mortgage denial rate (HMDA) | 39.5% | — |
Cincinnati Interagency Federal Credit Union has the higher TellerScore (92 vs 55). On the 7 directional measures above (where higher or lower is clearly better), U.S. Bank National Association leads on 1 and Cincinnati Interagency 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.