Side-by-side · Q2 2026 data
Home Loan State Bank vs Rio Grande Federal Credit Union
Credit union
Rio Grande Federal Credit Union
Grand Junction, Colorado · Under $100 million in assets
Metric by metric
| Measure | Home Loan State Bank | Rio Grande Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 97 (stronger) |
| Capital cushion | 29 | 100 (stronger) |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 57 | 88 (stronger) |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 37th | 98th |
| Total assets | $235.3M | $80.8M |
| Deposits / shares | $215.9M | $62.8M |
| Capital ratio | 7.95% | 21.99% (stronger) |
| Problem loans | 0.00% (stronger) | 0.03% |
| Net charge-offs | 0.00% (stronger) | 0.72% |
| Return on assets | 0.93% | 1.71% (stronger) |
| Loans ÷ deposits | 40.9% (stronger) | 44.4% |
| Uninsured deposits | 29.9% | 8.7% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Rio Grande Federal Credit Union has the higher TellerScore (97 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Home Loan State Bank leads on 3 and Rio Grande Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.