Side-by-side · Q2 2026 data
Home Town Federal Credit Union vs Centricity Credit Union
Metric by metric
| Measure | Home Town Federal Credit Union | Centricity Credit Union |
|---|---|---|
| TellerScore | 72 | 85 (stronger) |
| Capital cushion | 56 | 90 (stronger) |
| Loan quality | 81 (stronger) | 74 |
| Earnings | 66 | 100 (stronger) |
| Funding & liquidity | 85 (stronger) | 70 |
| Problem-loan coverage | 92 (stronger) | 91 |
| Peer percentile | 57th | 87th |
| Total assets | $293.3M | $340.5M |
| Deposits / shares | $262.5M | $277.4M |
| Capital ratio | 10.61% | 13.97% (stronger) |
| Problem loans | 0.58% (stronger) | 0.79% |
| Net charge-offs | 0.51% | 0.46% (stronger) |
| Return on assets | 1.15% | 2.13% (stronger) |
| Loans ÷ deposits | 75.6% (stronger) | 90.6% |
| Uninsured deposits | 4.1% (stronger) | 4.6% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.0% |
Centricity Credit Union has the higher TellerScore (85 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Home Town Federal Credit Union leads on 3 and Centricity Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.