Side-by-side · Q2 2026 data
Home Town Federal Credit Union vs St. Paul Federal Credit Union
Metric by metric
| Measure | Home Town Federal Credit Union | St. Paul Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 76 (stronger) |
| Capital cushion | 56 | 79 (stronger) |
| Loan quality | 81 | 93 (stronger) |
| Earnings | 66 (stronger) | 46 |
| Funding & liquidity | 85 (stronger) | 67 |
| Problem-loan coverage | 92 | 97 (stronger) |
| Peer percentile | 57th | 68th |
| Total assets | $293.3M | $252.1M |
| Deposits / shares | $262.5M | $215.2M |
| Capital ratio | 10.61% | 12.93% (stronger) |
| Problem loans | 0.58% | 0.20% (stronger) |
| Net charge-offs | 0.51% | 0.22% (stronger) |
| Return on assets | 1.15% (stronger) | 0.66% |
| Loans ÷ deposits | 75.6% (stronger) | 92.7% |
| Uninsured deposits | 4.1% (stronger) | 15.5% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.5% |
St. Paul Federal Credit Union has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Home Town Federal Credit Union leads on 3 and St. Paul Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.