Side-by-side · Q2 2026 data
Union Savings Bank vs Cincinnati Interagency Federal Credit Union
Credit union
Cincinnati Interagency Federal Credit Union
Cincinnati, Ohio · Under $100 million in assets
Metric by metric
| Measure | Union Savings Bank | Cincinnati Interagency Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 92 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 77 (stronger) | 73 |
| Earnings | 100 (stronger) | 98 |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 88 | 96 (stronger) |
| Peer percentile | 74th | 92nd |
| Total assets | $4.0B | $30.8M |
| Deposits / shares | $3.5B | $24.9M |
| Capital ratio | 10.51% | 18.24% (stronger) |
| Problem loans | 0.70% (stronger) | 0.82% |
| Net charge-offs | -0.01% (stronger) | 0.56% |
| Return on assets | 2.01% (stronger) | 1.96% |
| Loans ÷ deposits | 99.7% | 49.5% (stronger) |
| Uninsured deposits | 13.4% | 2.1% (stronger) |
| Offices | 39 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | — |
Cincinnati Interagency Federal Credit Union has the higher TellerScore (92 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Union Savings Bank leads on 3 and Cincinnati Interagency 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.