Side-by-side · Q2 2026 data
Union Savings Bank vs Northern Kentucky Federal Credit Union
Credit union
Northern Kentucky Federal Credit Union
Highland Height, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Union Savings Bank | Northern Kentucky Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 91 (stronger) |
| Capital cushion | 55 | 90 (stronger) |
| Loan quality | 77 | 90 (stronger) |
| Earnings | 100 (stronger) | 84 |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 88 | 98 (stronger) |
| Peer percentile | 74th | 90th |
| Total assets | $4.0B | $43.1M |
| Deposits / shares | $3.5B | $36.3M |
| Capital ratio | 10.51% | 13.99% (stronger) |
| Problem loans | 0.70% | 0.29% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.09% |
| Return on assets | 2.01% (stronger) | 1.61% |
| Loans ÷ deposits | 99.7% | 51.4% (stronger) |
| Uninsured deposits | 13.4% | 0.7% (stronger) |
| Offices | 39 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | — |
Northern Kentucky Federal Credit Union has the higher TellerScore (91 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Union Savings Bank leads on 2 and Northern Kentucky Federal Credit Union on 5. 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.