Side-by-side · Q2 2026 data
Hb Telco Federal Credit Union vs Palace City Federal Credit Union
Credit union
Palace City Federal Credit Union
Mitchell, South Dakota · Under $100 million in assets
Metric by metric
| Measure | Hb Telco Federal Credit Union | Palace City Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 72 (stronger) |
| Capital cushion | 36 | 49 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 0 | 37 (stronger) |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 17th | 44th |
| Total assets | $4.9M | $16.5M |
| Deposits / shares | $4.5M | $14.7M |
| Capital ratio | 8.59% | 9.92% (stronger) |
| Problem loans | 0.00% (stronger) | 0.01% |
| Net charge-offs | 0.07% | -0.04% (stronger) |
| Return on assets | -0.81% | 0.43% (stronger) |
| Loans ÷ deposits | 86.1% | 44.3% (stronger) |
| Uninsured deposits | 0.5% (stronger) | 1.0% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Palace City Federal Credit Union has the higher TellerScore (72 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Hb Telco Federal Credit Union leads on 2 and Palace City Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.