Side-by-side · Q2 2026 data
HomeBank vs United Community Credit Union
Metric by metric
| Measure | HomeBank | United Community Credit Union |
|---|---|---|
| TellerScore | 74 | 84 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 90 (stronger) | 87 |
| Earnings | 100 (stronger) | 62 |
| Funding & liquidity | 55 | 71 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 57th | 86th |
| Total assets | $733.3M | $134.1M |
| Deposits / shares | $604.3M | $113.2M |
| Capital ratio | 9.61% | 15.41% (stronger) |
| Problem loans | 0.29% (stronger) | 0.40% |
| Net charge-offs | 0.00% (stronger) | 0.38% |
| Return on assets | 2.12% (stronger) | 1.05% |
| Loans ÷ deposits | 102.4% | 89.4% (stronger) |
| Uninsured deposits | 17.1% | 2.3% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | — |
United Community Credit Union has the higher TellerScore (84 vs 74). On the 7 directional measures above (where higher or lower is clearly better), HomeBank leads on 3 and United Community 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.