Side-by-side · Q2 2026 data
Hearthside Bank Corporation vs Arh Federal Credit Union
Metric by metric
| Measure | Hearthside Bank Corporation | Arh Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 79 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 89 (stronger) | 56 |
| Earnings | 54 | 69 (stronger) |
| Funding & liquidity | 65 | 78 (stronger) |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 37th | 62nd |
| Total assets | $608.9M | $19.9M |
| Deposits / shares | $547.9M | $14.4M |
| Capital ratio | 10.07% | 26.93% (stronger) |
| Problem loans | 0.32% (stronger) | 1.32% |
| Net charge-offs | -0.01% (stronger) | 0.80% |
| Return on assets | 0.85% | 1.23% (stronger) |
| Loans ÷ deposits | 82.4% | 82.2% (stronger) |
| Uninsured deposits | 26.5% | 5.1% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | — |
Arh Federal Credit Union has the higher TellerScore (79 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Hearthside Bank Corporation leads on 2 and Arh Federal Credit Union on 5. 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.
Where both have branches
- Middlesboro, KY