Side-by-side · Q2 2026 data
Home Bank, National Association vs One South Federal Credit Union
Credit union
One South Federal Credit Union
Natchez, Mississippi · Under $100 million in assets
Metric by metric
| Measure | Home Bank, National Association | One South Federal Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 58 |
| Capital cushion | 71 | 100 (stronger) |
| Loan quality | 68 (stronger) | 0 |
| Earnings | 75 (stronger) | 21 |
| Funding & liquidity | 53 | 100 (stronger) |
| Problem-loan coverage | 85 | 86 (stronger) |
| Peer percentile | 58th | 19th |
| Total assets | $3.6B | $16.7M |
| Deposits / shares | $3.1B | $13.9M |
| Capital ratio | 12.11% | 21.16% (stronger) |
| Problem loans | 0.95% (stronger) | 3.42% |
| Net charge-offs | 0.06% (stronger) | 1.44% |
| Return on assets | 1.38% (stronger) | 0.03% |
| Loans ÷ deposits | 89.2% | 53.8% (stronger) |
| Uninsured deposits | 31.2% | 0.4% (stronger) |
| Offices | 41 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.8% | — |
Home Bank, National Association has the higher TellerScore (70 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Home Bank, National Association leads on 4 and One South Federal Credit Union on 3. 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.