Side-by-side · Q2 2026 data
Home Town Federal Credit Union vs Federated Employees Credit Union
Credit union
Federated Employees Credit Union
Owatonna, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Home Town Federal Credit Union | Federated Employees Credit Union |
|---|---|---|
| TellerScore | 72 | 82 (stronger) |
| Capital cushion | 56 | 82 (stronger) |
| Loan quality | 81 | 94 (stronger) |
| Earnings | 66 (stronger) | 51 |
| Funding & liquidity | 85 | 95 (stronger) |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 57th | 70th |
| Total assets | $293.3M | $66.7M |
| Deposits / shares | $262.5M | $57.9M |
| Capital ratio | 10.61% | 13.17% (stronger) |
| Problem loans | 0.58% | 0.19% (stronger) |
| Net charge-offs | 0.51% | 0.38% (stronger) |
| Return on assets | 1.15% (stronger) | 0.78% |
| Loans ÷ deposits | 75.6% | 65.3% (stronger) |
| Uninsured deposits | 4.1% | 1.5% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Federated Employees Credit Union has the higher TellerScore (82 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Home Town Federal Credit Union leads on 1 and Federated Employees Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.