Side-by-side · Q2 2026 data
Home Bank SB vs Elements Financial Federal Credit Union
Credit union
Elements Financial Federal Credit Union
Indianapolis, Indiana · $1 billion – $10 billion
Metric by metric
| Measure | Home Bank SB | Elements Financial Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 77 (stronger) |
| Capital cushion | 75 (stronger) | 69 |
| Loan quality | 71 | 85 (stronger) |
| Earnings | 46 | 76 (stronger) |
| Funding & liquidity | 81 (stronger) | 69 |
| Problem-loan coverage | 90 | 94 (stronger) |
| Peer percentile | 47th | 82nd |
| Total assets | $433.1M | $2.5B |
| Deposits / shares | $370.9M | $2.0B |
| Capital ratio | 12.46% (stronger) | 11.92% |
| Problem loans | 0.86% | 0.46% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.21% |
| Return on assets | 0.65% | 1.40% (stronger) |
| Loans ÷ deposits | 69.6% (stronger) | 85.3% |
| Uninsured deposits | 24.0% | 20.5% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.7% |
Elements Financial Federal Credit Union has the higher TellerScore (77 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Home Bank SB leads on 3 and Elements Financial Federal Credit Union on 4. 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.