Side-by-side · Q2 2026 data
Home State Bank, National Association vs Florida Customs Federal Credit Union
Metric by metric
| Measure | Home State Bank, National Association | Florida Customs Federal Credit Union |
|---|---|---|
| TellerScore | 82 | 83 (stronger) |
| Capital cushion | 68 | 100 (stronger) |
| Loan quality | 98 (stronger) | 87 |
| Earnings | 81 (stronger) | 31 |
| Funding & liquidity | 71 | 100 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 82nd | 72nd |
| Total assets | $776.0M | $6.8M |
| Deposits / shares | $686.6M | $4.8M |
| Capital ratio | 11.79% | 26.76% (stronger) |
| Problem loans | 0.07% (stronger) | 0.40% |
| Net charge-offs | -0.01% (stronger) | 0.04% |
| Return on assets | 1.52% (stronger) | 0.27% |
| Loans ÷ deposits | 74.5% | 50.6% (stronger) |
| Uninsured deposits | 28.5% | 0.0% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.2% | — |
Florida Customs Federal Credit Union has the higher TellerScore (83 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Home State Bank, National Association leads on 3 and Florida Customs Federal Credit Union on 4. 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.