Side-by-side · Q2 2026 data
Homeland Community Bank vs Ascend Federal Credit Union
Metric by metric
| Measure | Homeland Community Bank | Ascend Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 83 (stronger) |
| Capital cushion | 35 | 96 (stronger) |
| Loan quality | 88 (stronger) | 84 |
| Earnings | 56 | 68 (stronger) |
| Funding & liquidity | 93 (stronger) | 70 |
| Problem-loan coverage | 92 | 94 (stronger) |
| Peer percentile | 34th | 92nd |
| Total assets | $244.1M | $4.8B |
| Deposits / shares | $227.2M | $3.9B |
| Capital ratio | 8.46% | 14.55% (stronger) |
| Problem loans | 0.36% (stronger) | 0.49% |
| Net charge-offs | 0.01% (stronger) | 0.44% |
| Return on assets | 0.91% | 1.20% (stronger) |
| Loans ÷ deposits | 59.8% (stronger) | 90.5% |
| Uninsured deposits | 21.6% | 10.1% (stronger) |
| Offices | 4 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.1% |
Ascend Federal Credit Union has the higher TellerScore (83 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Homeland Community Bank leads on 3 and Ascend 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.