Side-by-side · Q2 2026 data
Home Federal Bank vs Carter Federal Credit Union
Metric by metric
| Measure | Home Federal Bank | Carter Federal Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 32 |
| Capital cushion | 43 (stronger) | 36 |
| Loan quality | 79 (stronger) | 0 |
| Earnings | 63 (stronger) | 46 |
| Funding & liquidity | 72 (stronger) | 60 |
| Problem-loan coverage | 89 (stronger) | 29 |
| Peer percentile | 29th | 0th |
| Total assets | $644.0M | $762.9M |
| Deposits / shares | $579.1M | $587.6M |
| Capital ratio | 9.29% (stronger) | 8.60% |
| Problem loans | 0.63% (stronger) | 3.66% |
| Net charge-offs | -0.02% (stronger) | 0.79% |
| Return on assets | 1.07% (stronger) | 0.65% |
| Loans ÷ deposits | 82.4% (stronger) | 100.7% |
| Uninsured deposits | 20.5% | 7.4% (stronger) |
| Offices | 11 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.9% | 0.0% |
Home Federal Bank has the higher TellerScore (65 vs 32). On the 7 directional measures above (where higher or lower is clearly better), Home Federal Bank leads on 6 and Carter Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.