Side-by-side · Q2 2026 data
Home Loan State Bank vs Delta County Federal Credit Union
Metric by metric
| Measure | Home Loan State Bank | Delta County Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 71 (stronger) |
| Capital cushion | 29 | 52 (stronger) |
| Loan quality | 100 (stronger) | 76 |
| Earnings | 57 | 59 (stronger) |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 37th | 42nd |
| Total assets | $235.3M | $72.8M |
| Deposits / shares | $215.9M | $65.2M |
| Capital ratio | 7.95% | 10.17% (stronger) |
| Problem loans | 0.00% (stronger) | 0.73% |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 0.93% | 0.99% (stronger) |
| Loans ÷ deposits | 40.9% | 33.5% (stronger) |
| Uninsured deposits | 29.9% | 3.2% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Delta County Federal Credit Union has the higher TellerScore (71 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Home Loan State Bank leads on 2 and Delta County Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.