Side-by-side · Q2 2026 data
University of Kentucky Federal Credit Union vs Transcend Credit Union
Credit union
University of Kentucky Federal Credit Union
Lexington, Kentucky · $1 billion – $10 billion
Metric by metric
| Measure | University of Kentucky Federal Credit Union | Transcend Credit Union |
|---|---|---|
| TellerScore | 57 | 83 (stronger) |
| Capital cushion | 59 | 84 (stronger) |
| Loan quality | 68 | 96 (stronger) |
| Earnings | 31 | 68 (stronger) |
| Funding & liquidity | 50 | 69 (stronger) |
| Problem-loan coverage | 85 | 99 (stronger) |
| Peer percentile | 17th | 83rd |
| Total assets | $1.8B | $588.3M |
| Deposits / shares | $1.4B | $473.2M |
| Capital ratio | 10.91% | 13.37% (stronger) |
| Problem loans | 0.97% | 0.13% (stronger) |
| Net charge-offs | 0.47% | 0.18% (stronger) |
| Return on assets | 0.28% | 1.19% (stronger) |
| Loans ÷ deposits | 110.6% | 91.0% (stronger) |
| Uninsured deposits | 9.4% (stronger) | 9.8% |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Transcend Credit Union has the higher TellerScore (83 vs 57). On the 7 directional measures above (where higher or lower is clearly better), University of Kentucky Federal Credit Union leads on 1 and Transcend Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.