Side-by-side · Q2 2026 data
Warsaw Federal Savings and Loan Association vs Northern Kentucky Federal Credit Union
Bank
Warsaw Federal Savings and Loan Association
Cincinnati, Ohio · $100 million – $1 billion
Credit union
Northern Kentucky Federal Credit Union
Highland Height, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Warsaw Federal Savings and Loan Association | Northern Kentucky Federal Credit Union |
|---|---|---|
| TellerScore | 53 | 91 (stronger) |
| Capital cushion | 71 | 90 (stronger) |
| Loan quality | 57 | 90 (stronger) |
| Earnings | 17 | 84 (stronger) |
| Funding & liquidity | 40 | 100 (stronger) |
| Problem-loan coverage | 80 | 98 (stronger) |
| Peer percentile | 9th | 90th |
| Total assets | $108.5M | $43.1M |
| Deposits / shares | $71.9M | $36.3M |
| Capital ratio | 12.10% | 13.99% (stronger) |
| Problem loans | 1.30% | 0.29% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.09% |
| Return on assets | -0.08% | 1.61% (stronger) |
| Loans ÷ deposits | 124.0% | 51.4% (stronger) |
| Uninsured deposits | 23.8% | 0.7% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | — |
Northern Kentucky Federal Credit Union has the higher TellerScore (91 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Warsaw Federal Savings and Loan Association leads on 1 and Northern Kentucky Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.