Side-by-side · Q2 2026 data
United Citizens Bank of Southern Kentucky vs Abound Federal Credit Union
Metric by metric
| Measure | United Citizens Bank of Southern Kentucky | Abound Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 81 |
| Capital cushion | 71 | 100 (stronger) |
| Loan quality | 86 (stronger) | 73 |
| Earnings | 98 (stronger) | 61 |
| Funding & liquidity | 61 | 73 (stronger) |
| Problem-loan coverage | 94 (stronger) | 92 |
| Peer percentile | 80th | 89th |
| Total assets | $286.2M | $2.8B |
| Deposits / shares | $243.5M | $2.3B |
| Capital ratio | 12.07% | 15.85% (stronger) |
| Problem loans | 0.43% (stronger) | 0.81% |
| Net charge-offs | 0.05% (stronger) | 0.62% |
| Return on assets | 1.96% (stronger) | 1.03% |
| Loans ÷ deposits | 99.5% | 87.5% (stronger) |
| Uninsured deposits | 12.7% (stronger) | 12.9% |
| Offices | 6 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.6% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), United Citizens Bank of Southern Kentucky leads on 4 and Abound Federal Credit Union on 2. 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.