Side-by-side · Q2 2026 data
First County Federal Credit Union vs Howard County School Em Federal Credit Union
Credit union
Howard County School Em Federal Credit Union
Kokomo, Indiana · Under $100 million in assets
Metric by metric
| Measure | First County Federal Credit Union | Howard County School Em Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 73 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 69 (stronger) | 50 |
| Earnings | 41 (stronger) | 30 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 30th | 47th |
| Total assets | $35.0M | $31.4M |
| Deposits / shares | $31.3M | $25.6M |
| Capital ratio | 10.18% | 18.07% (stronger) |
| Problem loans | 0.94% (stronger) | 1.51% |
| Net charge-offs | 0.07% (stronger) | 0.26% |
| Return on assets | 0.52% (stronger) | 0.24% |
| Loans ÷ deposits | 43.1% | 30.1% (stronger) |
| Uninsured deposits | 2.3% (stronger) | 11.8% |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Howard County School Em Federal Credit Union has the higher TellerScore (73 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First County Federal Credit Union leads on 4 and Howard County School Em Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.