Side-by-side · Q2 2026 data
Hema Federal Credit Union vs Capital Area Realtors Federal Credit Union
Credit union
Capital Area Realtors Federal Credit Union
Rockville, Maryland · Under $100 million in assets
Metric by metric
| Measure | Hema Federal Credit Union | Capital Area Realtors Federal Credit Union |
|---|---|---|
| TellerScore | 60 (stronger) | 50 |
| Capital cushion | 48 | 91 (stronger) |
| Loan quality | 81 (stronger) | 0 |
| Earnings | 3 | 14 (stronger) |
| Funding & liquidity | 100 (stronger) | 89 |
| Problem-loan coverage | 95 (stronger) | 67 |
| Peer percentile | 22nd | 9th |
| Total assets | $16.7M | $15.7M |
| Deposits / shares | $15.0M | $13.5M |
| Capital ratio | 9.78% | 14.10% (stronger) |
| Problem loans | 0.58% (stronger) | 3.89% |
| Net charge-offs | 0.09% (stronger) | 1.34% |
| Return on assets | -0.41% | -0.15% (stronger) |
| Loans ÷ deposits | 46.1% (stronger) | 69.1% |
| Uninsured deposits | 0.0% (stronger) | 17.2% |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hema Federal Credit Union has the higher TellerScore (60 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Hema Federal Credit Union leads on 5 and Capital Area Realtors Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.