Side-by-side · Q2 2026 data
Home Federal Bank of Tennessee vs Alcoa Municipal Employees Federal Credit Union
Credit union
Alcoa Municipal Employees Federal Credit Union
Alcoa, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Home Federal Bank of Tennessee | Alcoa Municipal Employees Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 94 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 33 | 91 (stronger) |
| Funding & liquidity | 83 (stronger) | 74 |
| Problem-loan coverage | 75 | 100 (stronger) |
| Peer percentile | 16th | 95th |
| Total assets | $2.7B | $4.5M |
| Deposits / shares | $2.1B | $3.7M |
| Capital ratio | 17.16% | 18.91% (stronger) |
| Problem loans | 3.92% | 0.00% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.25% |
| Return on assets | 0.31% | 1.77% (stronger) |
| Loans ÷ deposits | 69.8% (stronger) | 86.3% |
| Uninsured deposits | 21.2% | 0.0% (stronger) |
| Offices | 23 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alcoa Municipal Employees Federal Credit Union has the higher TellerScore (94 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Home Federal Bank of Tennessee leads on 2 and Alcoa Municipal Employees Federal Credit Union on 5. 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.