Side-by-side · Q2 2026 data
Home State Bank vs The Family Credit Union
Metric by metric
| Measure | Home State Bank | The Family Credit Union |
|---|---|---|
| TellerScore | 38 | 75 (stronger) |
| Capital cushion | 39 | 90 (stronger) |
| Loan quality | 26 | 63 (stronger) |
| Earnings | 9 | 41 (stronger) |
| Funding & liquidity | 74 | 99 (stronger) |
| Problem-loan coverage | 66 | 90 (stronger) |
| Peer percentile | 2nd | 66th |
| Total assets | $480.7M | $253.3M |
| Deposits / shares | $436.9M | $216.0M |
| Capital ratio | 8.91% | 13.99% (stronger) |
| Problem loans | 2.21% | 1.10% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.99% |
| Return on assets | -0.27% | 0.52% (stronger) |
| Loans ÷ deposits | 86.6% | 61.5% (stronger) |
| Uninsured deposits | 6.5% | 5.5% (stronger) |
| Offices | 2 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.0% | — |
The Family Credit Union has the higher TellerScore (75 vs 38). On the 7 directional measures above (where higher or lower is clearly better), Home State Bank leads on 1 and The Family Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.