Side-by-side · Q2 2026 data
Audubon Federal Credit Union vs Your Hometown Federal Credit Union
Credit union
Your Hometown Federal Credit Union
Mayfield, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Audubon Federal Credit Union | Your Hometown Federal Credit Union |
|---|---|---|
| TellerScore | 63 (stronger) | 47 |
| Capital cushion | 40 | 43 (stronger) |
| Loan quality | 67 (stronger) | 42 |
| Earnings | 51 (stronger) | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 88 | 89 (stronger) |
| Peer percentile | 26th | 7th |
| Total assets | $34.4M | $25.6M |
| Deposits / shares | $31.2M | $23.1M |
| Capital ratio | 8.97% | 9.25% (stronger) |
| Problem loans | 1.00% (stronger) | 1.75% |
| Net charge-offs | 0.21% | -0.18% (stronger) |
| Return on assets | 0.79% (stronger) | -0.73% |
| Loans ÷ deposits | 57.6% | 33.7% (stronger) |
| Uninsured deposits | 1.9% (stronger) | 7.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Audubon Federal Credit Union has the higher TellerScore (63 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Audubon Federal Credit Union leads on 4 and Your Hometown Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.