Side-by-side · Q2 2026 data
United Southern Bank vs Regional Medical Ctr Hopkins Co Emp Federal Credit Union
Credit union
Regional Medical Ctr Hopkins Co Emp Federal Credit Union
Madisonville, Kentucky · Under $100 million in assets
Metric by metric
| Measure | United Southern Bank | Regional Medical Ctr Hopkins Co Emp Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 87 (stronger) |
| Capital cushion | 77 | 89 (stronger) |
| Loan quality | 88 | 92 (stronger) |
| Earnings | 78 (stronger) | 64 |
| Funding & liquidity | 70 | 97 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 80th | 83rd |
| Total assets | $353.7M | $9.3M |
| Deposits / shares | $308.3M | $8.0M |
| Capital ratio | 12.66% | 13.95% (stronger) |
| Problem loans | 0.37% | 0.25% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.03% |
| Return on assets | 1.46% (stronger) | 1.11% |
| Loans ÷ deposits | 90.1% | 63.4% (stronger) |
| Uninsured deposits | 12.4% | 0.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Regional Medical Ctr Hopkins Co Emp Federal Credit Union has the higher TellerScore (87 vs 81). On the 7 directional measures above (where higher or lower is clearly better), United Southern Bank leads on 2 and Regional Medical Ctr Hopkins Co Emp 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.