Side-by-side · Q2 2026 data
Hamlin Bank and Trust Company vs N.F.G. #2 Federal Credit Union
Metric by metric
| Measure | Hamlin Bank and Trust Company | N.F.G. #2 Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 80 |
| Capital cushion | 100 | 100 |
| Loan quality | 68 (stronger) | 57 |
| Earnings | 100 (stronger) | 57 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 94th | 65th |
| Total assets | $503.4M | $24.2M |
| Deposits / shares | $389.3M | $20.5M |
| Capital ratio | 19.96% (stronger) | 15.74% |
| Problem loans | 0.96% (stronger) | 1.28% |
| Net charge-offs | 0.14% (stronger) | 0.93% |
| Return on assets | 3.02% (stronger) | 0.91% |
| Loans ÷ deposits | 77.4% | 18.4% (stronger) |
| Uninsured deposits | 13.3% | 0.4% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hamlin Bank and Trust Company has the higher TellerScore (89 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Hamlin Bank and Trust Company leads on 5 and N.F.G. #2 Federal Credit Union on 2. 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.