Side-by-side · Q2 2026 data
Hamlin Bank and Trust Company vs High Point Federal Credit Union
Metric by metric
| Measure | Hamlin Bank and Trust Company | High Point Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 87 |
| Capital cushion | 100 (stronger) | 93 |
| Loan quality | 68 | 78 (stronger) |
| Earnings | 100 (stronger) | 76 |
| Funding & liquidity | 83 | 98 (stronger) |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 94th | 91st |
| Total assets | $503.4M | $430.1M |
| Deposits / shares | $389.3M | $371.9M |
| Capital ratio | 19.96% (stronger) | 14.30% |
| Problem loans | 0.96% | 0.67% (stronger) |
| Net charge-offs | 0.14% (stronger) | 0.16% |
| Return on assets | 3.02% (stronger) | 1.39% |
| Loans ÷ deposits | 77.4% | 62.7% (stronger) |
| Uninsured deposits | 13.3% | 7.2% (stronger) |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hamlin Bank and Trust Company has the higher TellerScore (89 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Hamlin Bank and Trust Company leads on 4 and High Point Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.