Side-by-side · Q2 2026 data
Highpoint Community Bank vs Total Community Credit Union
Metric by metric
| Measure | Highpoint Community Bank | Total Community Credit Union |
|---|---|---|
| TellerScore | 66 | 97 (stronger) |
| Capital cushion | 35 | 100 (stronger) |
| Loan quality | 99 (stronger) | 88 |
| Earnings | 52 | 100 (stronger) |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 31st | 99th |
| Total assets | $592.4M | $111.3M |
| Deposits / shares | $540.0M | $93.9M |
| Capital ratio | 8.45% | 15.29% (stronger) |
| Problem loans | 0.04% (stronger) | 0.36% |
| Net charge-offs | -0.00% (stronger) | 0.38% |
| Return on assets | 0.80% | 2.04% (stronger) |
| Loans ÷ deposits | 68.1% | 46.4% (stronger) |
| Uninsured deposits | 36.3% | 2.6% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.0% | — |
Total Community Credit Union has the higher TellerScore (97 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Highpoint Community Bank leads on 2 and Total Community 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.