Side-by-side · Q2 2026 data
Hendricks County Bank and Trust Company vs 1st Street Credit Union
Metric by metric
| Measure | Hendricks County Bank and Trust Company | 1st Street Credit Union |
|---|---|---|
| TellerScore | 67 | 89 (stronger) |
| Capital cushion | 50 | 97 (stronger) |
| Loan quality | 84 | 97 (stronger) |
| Earnings | 47 | 55 (stronger) |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 34th | 87th |
| Total assets | $247.4M | $34.5M |
| Deposits / shares | $226.3M | $29.2M |
| Capital ratio | 9.96% | 14.66% (stronger) |
| Problem loans | 0.49% | 0.10% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.18% |
| Return on assets | 0.66% | 0.86% (stronger) |
| Loans ÷ deposits | 66.5% | 42.0% (stronger) |
| Uninsured deposits | 28.3% | 6.1% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | — |
1st Street Credit Union has the higher TellerScore (89 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Hendricks County Bank and Trust Company leads on 1 and 1st Street Credit Union on 6. 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.