Side-by-side · Q2 2026 data
B. M. H. Federal Credit Union vs Hiwassee River Credit Union
Metric by metric
| Measure | B. M. H. Federal Credit Union | Hiwassee River Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 59 |
| Loan quality | 69 | 95 (stronger) |
| Earnings | 35 | 36 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 62nd | 49th |
| Total assets | $3.7M | $27.5M |
| Deposits / shares | $2.9M | $24.4M |
| Capital ratio | 21.19% (stronger) | 10.94% |
| Problem loans | 0.94% | 0.15% (stronger) |
| Net charge-offs | 0.29% | 0.23% (stronger) |
| Return on assets | 0.38% | 0.40% (stronger) |
| Loans ÷ deposits | 49.9% | 47.1% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 4.6% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
B. M. H. Federal Credit Union has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), B. M. H. Federal Credit Union leads on 3 and Hiwassee River Credit Union on 4. 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.