Side-by-side · Q2 2026 data
Hilltop National Bank vs Meridian Trust Federal Credit Union
Metric by metric
| Measure | Hilltop National Bank | Meridian Trust Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 74 |
| Capital cushion | 69 | 79 (stronger) |
| Loan quality | 91 (stronger) | 73 |
| Earnings | 91 (stronger) | 58 |
| Funding & liquidity | 84 (stronger) | 76 |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 95th | 63rd |
| Total assets | $1.1B | $730.5M |
| Deposits / shares | $987.6M | $627.7M |
| Capital ratio | 11.95% | 12.92% (stronger) |
| Problem loans | 0.28% (stronger) | 0.82% |
| Net charge-offs | 0.15% (stronger) | 0.29% |
| Return on assets | 1.77% (stronger) | 0.95% |
| Loans ÷ deposits | 66.1% (stronger) | 84.6% |
| Uninsured deposits | 24.5% | 5.5% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.9% | 22.8% |
Hilltop National Bank has the higher TellerScore (84 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Hilltop National Bank leads on 5 and Meridian Trust Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.