Side-by-side · Q2 2026 data
Whitaker Bank vs Commonwealth Federal Credit Union
Metric by metric
| Measure | Whitaker Bank | Commonwealth Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 73 |
| Capital cushion | 79 (stronger) | 63 |
| Loan quality | 93 (stronger) | 71 |
| Earnings | 77 | 82 (stronger) |
| Funding & liquidity | 80 (stronger) | 76 |
| Problem-loan coverage | 98 (stronger) | 88 |
| Peer percentile | 95th | 70th |
| Total assets | $1.9B | $2.9B |
| Deposits / shares | $1.6B | $2.6B |
| Capital ratio | 12.89% (stronger) | 11.26% |
| Problem loans | 0.21% (stronger) | 0.87% |
| Net charge-offs | 0.06% (stronger) | 0.94% |
| Return on assets | 1.42% | 1.55% (stronger) |
| Loans ÷ deposits | 67.3% (stronger) | 84.1% |
| Uninsured deposits | 26.8% | 7.5% (stronger) |
| Offices | 44 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Whitaker Bank has the higher TellerScore (84 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Whitaker Bank leads on 5 and Commonwealth Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Frankfort, KY
- Lexington, KY
- Georgetown, KY
- Richmond, KY
- Harrodsburg, KY