Side-by-side · Q2 2026 data
Highpoint Community Bank vs Wmcu Credit Union
Metric by metric
| Measure | Highpoint Community Bank | Wmcu Credit Union |
|---|---|---|
| TellerScore | 66 | 84 (stronger) |
| Capital cushion | 35 | 100 (stronger) |
| Loan quality | 99 (stronger) | 69 |
| Earnings | 52 | 64 (stronger) |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 31st | 86th |
| Total assets | $592.4M | $455.3M |
| Deposits / shares | $540.0M | $373.3M |
| Capital ratio | 8.45% | 17.32% (stronger) |
| Problem loans | 0.04% (stronger) | 0.92% |
| Net charge-offs | -0.00% (stronger) | 0.98% |
| Return on assets | 0.80% | 1.11% (stronger) |
| Loans ÷ deposits | 68.1% | 55.1% (stronger) |
| Uninsured deposits | 36.3% | 3.2% (stronger) |
| Offices | 6 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.0% | — |
Wmcu Credit Union has the higher TellerScore (84 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Highpoint Community Bank leads on 2 and Wmcu Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.